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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 | $283,293 | $118,708+138.6% | $98,920+186.4% | $158,966+78.2% |
| Participation rate | 100.0% | 77.8%+22.2pp | 76.0%+24.0pp | 82.0%+18.0pp |
| Annual return | 18.29% | 372.49%-354.2pp | 196.47%-178.2pp | 302.95%-284.7pp |
| Employer contribution / active EE | $8,961 | $3,334+168.8% | $2,689+233.2% | $4,762+88.2% |
| Participant deferral / active EE | $4,586 | $5,089-9.9% | $4,245+8.0% | $5,983-23.3% |
| Admin fee / account holder | $959 | $10,134-90.5% | $6,643-85.6% | $11,250-91.5% |