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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 | $362,496 | $132,634+173.3% | $115,768+213.1% | $137,256+164.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 12.57% | 160.70%-148.1pp | 100.46%-87.9pp | 220.34%-207.8pp |
| Employer contribution / active EE | $1,847 | $3,360-45.0% | $2,940-37.2% | $4,156-55.6% |
| Participant deferral / active EE | $3,504 | $5,619-37.6% | $4,917-28.7% | $6,407-45.3% |
| Admin fee / account holder | $9,805 | $15,028-34.8% | $12,439-21.2% | $12,270-20.1% |