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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 | $185,312+104.6% | $161,489+134.8% | $154,746+145.0% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 11.52% | 103.84%-92.3pp | 89.72%-78.2pp | 172.34%-160.8pp |
| Employer contribution / active EE | $1,443 | $4,769-69.7% | $4,268-66.2% | $4,379-67.0% |
| Participant deferral / active EE | $4,212 | $6,350-33.7% | $5,630-25.2% | $6,730-37.4% |
| Admin fee / account holder | $4,118 | $18,654-77.9% | $16,006-74.3% | $14,365-71.3% |