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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 | $348,251 | $175,231+98.7% | $149,696+132.6% | $139,466+149.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 11.80% | 166.77%-155.0pp | 134.46%-122.7pp | 373.66%-361.9pp |
| Employer contribution / active EE | $1,529 | $5,478-72.1% | $4,821-68.3% | $4,754-67.8% |
| Participant deferral / active EE | $4,907 | $6,521-24.8% | $5,682-13.6% | $6,712-26.9% |
| Admin fee / account holder | $3,776 | $16,155-76.6% | $13,212-71.4% | $11,409-66.9% |