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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 | $345,393 | $175,259+97.1% | $149,723+130.7% | $139,487+147.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 19.80% | 166.82%-147.0pp | 134.50%-114.7pp | 373.84%-354.0pp |
| Employer contribution / active EE | $1,725 | $5,478-68.5% | $4,821-64.2% | $4,755-63.7% |
| Participant deferral / active EE | $11,451 | $6,522+75.6% | $5,682+101.5% | $6,713+70.6% |
| Admin fee / account holder | $2,519 | $16,158-84.4% | $13,215-80.9% | $11,407-77.9% |