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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 | $358,047 | $106,008+237.8% | $92,240+288.2% | $147,586+142.6% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 15.85% | 50.05%-34.2pp | 176.29%-160.4pp | 578.59%-562.7pp |
| Employer contribution / active EE | $2,863 | $4,333-33.9% | $3,680-22.2% | $4,876-41.3% |
| Participant deferral / active EE | $4,253 | $4,478-5.0% | $3,897+9.1% | $5,439-21.8% |
| Admin fee / account holder | $3,708 | $6,333-41.5% | $5,194-28.6% | $10,886-65.9% |