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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 | $285,378 | $232,540+22.7% | $185,117+54.2% | $147,586+93.4% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 13.67% | 43.03%-29.4pp | 40.50%-26.8pp | 578.59%-564.9pp |
| Employer contribution / active EE | $2,507 | $5,195-51.7% | $4,182-40.0% | $4,876-48.6% |
| Participant deferral / active EE | $4,442 | $5,834-23.9% | $5,045-11.9% | $5,439-18.3% |
| Admin fee / account holder | $583 | $10,275-94.3% | $8,159-92.9% | $10,886-94.6% |