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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 | $132,099+213.3% | $115,599+258.0% | $138,895+198.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 16.49% | 176.76%-160.3pp | 111.10%-94.6pp | 145.39%-128.9pp |
| Employer contribution / active EE | $1,288 | $3,416-62.3% | $2,955-56.4% | $4,194-69.3% |
| Participant deferral / active EE | $15,185 | $5,617+170.3% | $4,889+210.6% | $6,396+137.4% |
| Admin fee / account holder | $6,741 | $15,650-56.9% | $12,841-47.5% | $12,562-46.3% |