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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 | $306,574 | $166,242+84.4% | $165,071+85.7% | $145,884+110.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 15.19% | 100.44%-85.3pp | 70.17%-55.0pp | 551.85%-536.7pp |
| Employer contribution / active EE | $2,578 | $5,283-51.2% | $4,347-40.7% | $4,662-44.7% |
| Participant deferral / active EE | $6,763 | $6,964-2.9% | $6,035+12.1% | $6,690+1.1% |
| Admin fee / account holder | $3,088 | $16,658-81.5% | $12,695-75.7% | $13,392-76.9% |