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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 | $379,178 | $172,111+120.3% | $150,298+152.3% | $137,256+176.3% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 11.52% | 69.37%-57.9pp | 62.79%-51.3pp | 220.34%-208.8pp |
| Employer contribution / active EE | $1,443 | $4,636-68.9% | $4,154-65.3% | $4,156-65.3% |
| Participant deferral / active EE | $4,212 | $6,166-31.7% | $5,453-22.8% | $6,407-34.3% |
| Admin fee / account holder | $4,118 | $16,471-75.0% | $14,116-70.8% | $12,270-66.4% |