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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 | $415,183 | $107,368+286.7% | $92,915+346.8% | $152,909+171.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 21.86% | 145.64%-123.8pp | 109.45%-87.6pp | 345.46%-323.6pp |
| Employer contribution / active EE | $1,259 | $4,222-70.2% | $3,653-65.5% | $4,764-73.6% |
| Participant deferral / active EE | $5,036 | $4,848+3.9% | $4,238+18.8% | $5,851-13.9% |
| Admin fee / account holder | $3,848 | $7,082-45.7% | $5,796-33.6% | $11,601-66.8% |