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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 | $99,921+153.3% | $85,009+197.8% | $145,959+73.4% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 11.02% | 83.89%-72.9pp | 66.47%-55.5pp | 561.95%-550.9pp |
| Employer contribution / active EE | $1,345 | $3,233-58.4% | $2,728-50.7% | $4,661-71.1% |
| Participant deferral / active EE | $9,561 | $5,293+80.6% | $4,522+111.5% | $6,689+43.0% |
| Admin fee / account holder | $12,184 | $7,252+68.0% | $6,153+98.0% | $13,398-9.1% |