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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 | $347,419 | $157,304+120.9% | $141,197+146.1% | $152,909+127.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 26.78% | 64.34%-37.6pp | 71.41%-44.6pp | 345.46%-318.7pp |
| Employer contribution / active EE | $6,186 | $5,263+17.5% | $4,736+30.6% | $4,764+29.9% |
| Participant deferral / active EE | $18,128 | $7,111+154.9% | $6,710+170.2% | $5,851+209.8% |
| Admin fee / account holder | $2,745 | $12,126-77.4% | $10,265-73.3% | $11,601-76.3% |