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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 | $308,785 | $197,594+56.3% | $177,822+73.6% | $158,931+94.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 101.47% | 58.76%+42.7pp | 48.32%+53.2pp | 302.86%-201.4pp |
| Employer contribution / active EE | $3,124 | $6,697-53.4% | $5,918-47.2% | $4,761-34.4% |
| Participant deferral / active EE | $7,770 | $8,405-7.6% | $7,714+0.7% | $5,982+29.9% |
| Admin fee / account holder | $5,501 | $15,400-64.3% | $12,428-55.7% | $11,247-51.1% |