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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 | $316,291 | $175,259+80.5% | $149,723+111.2% | $139,487+126.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 17.32% | 166.82%-149.5pp | 134.50%-117.2pp | 373.84%-356.5pp |
| Employer contribution / active EE | $4,026 | $5,478-26.5% | $4,821-16.5% | $4,755-15.3% |
| Participant deferral / active EE | $14,918 | $6,522+128.8% | $5,682+162.5% | $6,713+122.2% |
| Admin fee / account holder | $2,699 | $16,158-83.3% | $13,215-79.6% | $11,407-76.3% |