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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 | $313,864 | $125,193+150.7% | $105,591+197.2% | $145,978+115.0% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 16.14% | 225.53%-209.4pp | 116.43%-100.3pp | 550.52%-534.4pp |
| Employer contribution / active EE | $1,561 | $3,718-58.0% | $3,166-50.7% | $4,662-66.5% |
| Participant deferral / active EE | $12,482 | $5,708+118.7% | $5,008+149.2% | $6,690+86.6% |
| Admin fee / account holder | $29,474 | $17,277+70.6% | $11,024+167.4% | $13,400+120.0% |