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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 | $253,118 | $100,139+152.8% | $85,187+197.1% | $145,884+73.5% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 11.02% | 84.15%-73.1pp | 66.67%-55.6pp | 551.85%-540.8pp |
| Employer contribution / active EE | $1,345 | $3,238-58.5% | $2,732-50.8% | $4,662-71.2% |
| Participant deferral / active EE | $9,561 | $5,296+80.6% | $4,525+111.3% | $6,690+42.9% |
| Admin fee / account holder | $12,184 | $7,262+67.8% | $6,162+97.7% | $13,392-9.0% |