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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 | $250,208 | $148,629+68.3% | $135,982+84.0% | $139,487+79.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 29.40% | 79.33%-49.9pp | 68.32%-38.9pp | 373.84%-344.4pp |
| Employer contribution / active EE | $3,304 | $5,247-37.0% | $4,859-32.0% | $4,755-30.5% |
| Participant deferral / active EE | $12,373 | $8,102+52.7% | $7,760+59.5% | $6,713+84.3% |
| Admin fee / account holder | $5,786 | $12,406-53.4% | $10,767-46.3% | $11,407-49.3% |