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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 | $293,395 | $107,941+171.8% | $91,994+218.9% | $152,909+91.9% |
| Participation rate | 100.0% | 81.2%+18.8pp | 78.6%+21.4pp | 82.5%+17.5pp |
| Annual return | 22.39% | 89.28%-66.9pp | 69.04%-46.6pp | 345.46%-323.1pp |
| Employer contribution / active EE | $3,063 | $4,212-27.3% | $3,453-11.3% | $4,764-35.7% |
| Participant deferral / active EE | $17,302 | $6,366+171.8% | $5,924+192.1% | $5,851+195.7% |
| Admin fee / account holder | $1,251 | $10,521-88.1% | $7,744-83.8% | $11,601-89.2% |