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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 | $288,693 | $118,875+142.9% | $96,572+198.9% | $167,553+72.3% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.8%+30.2pp | 82.1%+17.9pp |
| Annual return | 22.66% | 50.50%-27.8pp | 37.79%-15.1pp | 478.89%-456.2pp |
| Employer contribution / active EE | $3,736 | $3,121+19.7% | $2,357+58.5% | $4,840-22.8% |
| Participant deferral / active EE | $4,803 | $4,617+4.0% | $3,850+24.8% | $6,343-24.3% |
| Admin fee / account holder | $816 | $8,070-89.9% | $6,183-86.8% | $12,316-93.4% |