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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 | $413,863 | $132,634+212.0% | $115,768+257.5% | $137,256+201.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 16.49% | 160.70%-144.2pp | 100.46%-84.0pp | 220.34%-203.8pp |
| Employer contribution / active EE | $1,288 | $3,360-61.7% | $2,940-56.2% | $4,156-69.0% |
| Participant deferral / active EE | $15,185 | $5,619+170.3% | $4,917+208.8% | $6,407+137.0% |
| Admin fee / account holder | $6,741 | $15,028-55.1% | $12,439-45.8% | $12,270-45.1% |