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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 | $324,456 | $183,539+76.8% | $155,556+108.6% | $145,897+122.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.13% | 61.31%-48.2pp | 64.84%-51.7pp | 552.29%-539.2pp |
| Employer contribution / active EE | $3,624 | $5,315-31.8% | $4,675-22.5% | $4,663-22.3% |
| Participant deferral / active EE | $4,299 | $6,467-33.5% | $5,631-23.7% | $6,689-35.7% |
| Admin fee / account holder | $3,716 | $19,275-80.7% | $15,885-76.6% | $13,390-72.2% |