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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 | $304,273 | $134,817+125.7% | $123,973+145.4% | $155,188+96.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 11.36% | 515.49%-504.1pp | 388.13%-376.8pp | 148.84%-137.5pp |
| Employer contribution / active EE | $1,812 | $4,425-59.1% | $4,126-56.1% | $4,248-57.3% |
| Participant deferral / active EE | $13,119 | $5,706+129.9% | $5,247+150.0% | $6,531+100.9% |
| Admin fee / account holder | $17,408 | $13,245+31.4% | $11,799+47.5% | $14,480+20.2% |