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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 | $270,283 | $105,145+157.1% | $94,664+185.5% | $139,466+93.8% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 16.52% | 38.09%-21.6pp | 156.84%-140.3pp | 373.66%-357.1pp |
| Employer contribution / active EE | $2,612 | $4,107-36.4% | $3,673-28.9% | $4,754-45.1% |
| Participant deferral / active EE | $4,825 | $7,599-36.5% | $7,417-34.9% | $6,712-28.1% |
| Admin fee / account holder | $2,114 | $8,972-76.4% | $7,222-70.7% | $11,409-81.5% |