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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 | $343,662 | $150,435+128.4% | $120,580+185.0% | $145,897+135.6% |
| Participation rate | 100.0% | 78.8%+21.2pp | 72.0%+28.0pp | 80.3%+19.7pp |
| Annual return | 9.49% | 154.60%-145.1pp | 107.48%-98.0pp | 552.29%-542.8pp |
| Employer contribution / active EE | $5,688 | $4,352+30.7% | $3,469+64.0% | $4,663+22.0% |
| Participant deferral / active EE | $11,395 | $6,174+84.6% | $4,995+128.1% | $6,689+70.3% |
| Admin fee / account holder | $4,096 | $12,182-66.4% | $9,418-56.5% | $13,390-69.4% |