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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 | $381,796 | $209,422+82.3% | $178,503+113.9% | $158,982+140.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 16.52% | 188.81%-172.3pp | 151.12%-134.6pp | 302.99%-286.5pp |
| Employer contribution / active EE | $1,364 | $5,707-76.1% | $5,011-72.8% | $4,763-71.4% |
| Participant deferral / active EE | $9,515 | $5,955+59.8% | $5,202+82.9% | $5,983+59.0% |
| Admin fee / account holder | $1,596 | $17,079-90.7% | $13,987-88.6% | $11,252-85.8% |