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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 | $276,826 | $129,737+113.4% | $119,126+132.4% | $154,746+78.9% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 13.22% | 379.08%-365.9pp | 282.11%-268.9pp | 172.34%-159.1pp |
| Employer contribution / active EE | $5,552 | $4,375+26.9% | $4,034+37.7% | $4,379+26.8% |
| Participant deferral / active EE | $31,347 | $5,842+436.6% | $5,318+489.5% | $6,730+365.8% |
| Admin fee / account holder | $7,746 | $11,961-35.2% | $10,693-27.6% | $14,365-46.1% |