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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 | $326,658 | $196,972+65.8% | $182,262+79.2% | $198,609+64.5% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 4.93% | 158.27%-153.3pp | 140.60%-135.7pp | 202.70%-197.8pp |
| Employer contribution / active EE | $3,303 | $5,364-38.4% | $5,046-34.5% | $5,055-34.7% |
| Participant deferral / active EE | $12,042 | $8,643+39.3% | $8,276+45.5% | $6,977+72.6% |
| Admin fee / account holder | $3,268 | $18,429-82.3% | $16,712-80.4% | $19,030-82.8% |