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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 | $346,531 | $159,934+116.7% | $147,005+135.7% | $145,959+137.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 25.22% | 98.24%-73.0pp | 418.76%-393.5pp | 561.95%-536.7pp |
| Employer contribution / active EE | $1,080 | $5,287-79.6% | $4,934-78.1% | $4,661-76.8% |
| Participant deferral / active EE | $25,000 | $8,427+196.7% | $8,070+209.8% | $6,689+273.8% |
| Admin fee / account holder | $949 | $15,053-93.7% | $13,006-92.7% | $13,398-92.9% |