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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 | $329,273 | $126,519+160.3% | $106,201+210.0% | $145,959+125.6% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 16.28% | 225.10%-208.8pp | 116.26%-100.0pp | 561.95%-545.7pp |
| Employer contribution / active EE | $8,860 | $3,726+137.8% | $3,170+179.5% | $4,661+90.1% |
| Participant deferral / active EE | $7,521 | $5,716+31.6% | $5,012+50.1% | $6,689+12.5% |
| Admin fee / account holder | $2,419 | $17,312-86.0% | $11,039-78.1% | $13,398-81.9% |