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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 | $294,155 | $165,399+77.8% | $149,745+96.4% | $158,982+85.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 24.02% | 348.34%-324.3pp | 276.72%-252.7pp | 302.99%-279.0pp |
| Employer contribution / active EE | $3,278 | $5,105-35.8% | $4,646-29.4% | $4,763-31.2% |
| Participant deferral / active EE | $24,179 | $7,183+236.6% | $6,843+253.3% | $5,983+304.1% |
| Admin fee / account holder | $1,416 | $10,811-86.9% | $9,312-84.8% | $11,252-87.4% |