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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 | $284,534 | $183,592+55.0% | $155,574+82.9% | $145,877+95.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.65% | 61.37%-47.7pp | 64.87%-51.2pp | 551.28%-537.6pp |
| Employer contribution / active EE | $2,260 | $5,317-57.5% | $4,676-51.7% | $4,663-51.5% |
| Participant deferral / active EE | $9,741 | $6,466+50.6% | $5,629+73.0% | $6,691+45.6% |
| Admin fee / account holder | $848 | $19,316-95.6% | $15,914-94.7% | $13,402-93.7% |