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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $325,826 | $138,076+136.0% | $123,553+163.7% | $135,380+140.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | 2.73% | 153.70%-151.0pp | 119.21%-116.5pp | 519.81%-517.1pp |
| Employer contribution / active EE | $2,493 | $5,152-51.6% | $4,628-46.1% | $4,779-47.8% |
| Participant deferral / active EE | $6,749 | $6,800-0.7% | $6,426+5.0% | $5,609+20.3% |
| Admin fee / account holder | $4,766 | $10,917-56.3% | $9,284-48.7% | $10,828-56.0% |