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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 | $362,985 | $217,432+66.9% | $185,851+95.3% | $167,553+116.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 10.94% | 148.43%-137.5pp | 122.11%-111.2pp | 478.89%-468.0pp |
| Employer contribution / active EE | $3,104 | $5,874-47.2% | $5,168-39.9% | $4,840-35.9% |
| Participant deferral / active EE | $4,032 | $6,357-36.6% | $5,569-27.6% | $6,343-36.4% |
| Admin fee / account holder | $2,606 | $19,820-86.9% | $16,245-84.0% | $12,316-78.8% |