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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 | $385,349 | $154,209+149.9% | $130,062+196.3% | $139,487+176.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 19.08% | 32.52%-13.4pp | -137.37%+156.5pp | 373.84%-354.8pp |
| Employer contribution / active EE | $2,904 | $5,292-45.1% | $4,322-32.8% | $4,755-38.9% |
| Participant deferral / active EE | $11,140 | $6,709+66.0% | $5,821+91.4% | $6,713+66.0% |
| Admin fee / account holder | $10,147 | $13,988-27.5% | $10,601-4.3% | $11,407-11.0% |