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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 | $310,678 | $108,922+185.2% | $100,398+209.4% | $145,978+112.8% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 12.19% | 58.04%-45.9pp | 49.32%-37.1pp | 550.52%-538.3pp |
| Employer contribution / active EE | $2,635 | $4,426-40.5% | $3,946-33.2% | $4,662-43.5% |
| Participant deferral / active EE | $4,825 | $8,450-42.9% | $8,084-40.3% | $6,690-27.9% |
| Admin fee / account holder | $2,388 | $9,680-75.3% | $7,893-69.7% | $13,400-82.2% |