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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 | $303,389 | $166,268+82.5% | $165,100+83.8% | $145,897+107.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 13.22% | 100.52%-87.3pp | 70.21%-57.0pp | 552.29%-539.1pp |
| Employer contribution / active EE | $4,591 | $5,284-13.1% | $4,348+5.6% | $4,663-1.5% |
| Participant deferral / active EE | $10,112 | $6,964+45.2% | $6,035+67.5% | $6,689+51.2% |
| Admin fee / account holder | $3,521 | $16,659-78.9% | $12,696-72.3% | $13,390-73.7% |