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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 | $323,334 | $217,427+48.7% | $185,837+74.0% | $167,518+93.0% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.53% | 148.39%-135.9pp | 122.08%-109.5pp | 478.71%-466.2pp |
| Employer contribution / active EE | $10,484 | $5,874+78.5% | $5,168+102.9% | $4,838+116.7% |
| Participant deferral / active EE | $2,748 | $6,357-56.8% | $5,568-50.7% | $6,342-56.7% |
| Admin fee / account holder | $9,218 | $19,816-53.5% | $16,241-43.2% | $12,312-25.1% |