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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 | $287,527 | $157,304+82.8% | $141,197+103.6% | $152,909+88.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 24.80% | 64.34%-39.5pp | 71.41%-46.6pp | 345.46%-320.7pp |
| Employer contribution / active EE | $3,679 | $5,263-30.1% | $4,736-22.3% | $4,764-22.8% |
| Participant deferral / active EE | $14,702 | $7,111+106.8% | $6,710+119.1% | $5,851+151.3% |
| Admin fee / account holder | $4,075 | $12,126-66.4% | $10,265-60.3% | $11,601-64.9% |