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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 | $366,034 | $129,737+182.1% | $119,126+207.3% | $154,746+136.5% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 13.02% | 379.08%-366.1pp | 282.11%-269.1pp | 172.34%-159.3pp |
| Employer contribution / active EE | $1,507 | $4,375-65.6% | $4,034-62.6% | $4,379-65.6% |
| Participant deferral / active EE | $21,600 | $5,842+269.7% | $5,318+306.2% | $6,730+220.9% |
| Admin fee / account holder | $3,054 | $11,961-74.5% | $10,693-71.4% | $14,365-78.7% |