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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 | $285,357 | $174,018+64.0% | $136,833+108.5% | $198,609+43.7% |
| Participation rate | 100.0% | 65.1%+34.9pp | 59.0%+41.0pp | 82.4%+17.6pp |
| Annual return | 342.00% | 35.16%+306.8pp | 35.32%+306.7pp | 202.70%+139.3pp |
| Employer contribution / active EE | $1,014 | $1,571-35.5% | $1,319-23.1% | $5,055-79.9% |
| Participant deferral / active EE | $1,483 | $2,873-48.4% | $2,441-39.2% | $6,977-78.7% |
| Admin fee / account holder | $2,463 | $5,434-54.7% | $4,706-47.7% | $19,030-87.1% |