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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 | $315,825 | $209,422+50.8% | $178,503+76.9% | $158,982+98.7% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 17.74% | 188.81%-171.1pp | 151.12%-133.4pp | 302.99%-285.2pp |
| Employer contribution / active EE | $2,552 | $5,707-55.3% | $5,011-49.1% | $4,763-46.4% |
| Participant deferral / active EE | $8,631 | $5,955+44.9% | $5,202+65.9% | $5,983+44.2% |
| Admin fee / account holder | $3,528 | $17,079-79.3% | $13,987-74.8% | $11,252-68.6% |