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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 | $400,534 | $225,673+77.5% | $203,872+96.5% | $155,188+158.1% |
| Participation rate | 100.0% | 80.3%+19.7pp | 77.8%+22.2pp | 80.8%+19.2pp |
| Annual return | 24.37% | 95.91%-71.5pp | 85.11%-60.7pp | 148.84%-124.5pp |
| Employer contribution / active EE | $2,641 | $4,099-35.6% | $3,757-29.7% | $4,248-37.8% |
| Participant deferral / active EE | $5,215 | $6,893-24.3% | $6,388-18.4% | $6,531-20.2% |
| Admin fee / account holder | $22,868 | $12,327+85.5% | $11,730+94.9% | $14,480+57.9% |