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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 | $300,848 | $168,635+78.4% | $147,617+103.8% | $125,389+139.9% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | 19.21% | 77.65%-58.4pp | 61.98%-42.8pp | 282.24%-263.0pp |
| Employer contribution / active EE | $4,379 | $6,252-30.0% | $5,564-21.3% | $4,866-10.0% |
| Participant deferral / active EE | $7,600 | $5,507+38.0% | $4,895+55.2% | $5,352+42.0% |
| Admin fee / account holder | $58,196 | $13,580+328.5% | $11,612+401.2% | $9,541+510.0% |