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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 | $370,123 | $116,203+218.5% | $93,621+295.3% | $152,897+142.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 24.38% | 35.96%-11.6pp | 32.76%-8.4pp | 345.43%-321.0pp |
| Employer contribution / active EE | $3,192 | $3,219-0.8% | $2,719+17.4% | $4,764-33.0% |
| Participant deferral / active EE | $10,137 | $4,605+120.2% | $4,070+149.1% | $5,851+73.3% |
| Admin fee / account holder | $925 | $10,751-91.4% | $7,890-88.3% | $11,599-92.0% |