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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 | $268,402 | $110,240+143.5% | $96,544+178.0% | $139,487+92.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 76.09% | 26.41%+49.7pp | 25.88%+50.2pp | 373.84%-297.8pp |
| Employer contribution / active EE | $1,584 | $3,622-56.3% | $2,966-46.6% | $4,755-66.7% |
| Participant deferral / active EE | $7,190 | $5,549+29.6% | $4,851+48.2% | $6,713+7.1% |
| Admin fee / account holder | $1,668 | $11,602-85.6% | $8,254-79.8% | $11,407-85.4% |