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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 | $416,286 | $217,427+91.5% | $185,837+124.0% | $167,518+148.5% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 9.57% | 148.39%-138.8pp | 122.08%-112.5pp | 478.71%-469.1pp |
| Employer contribution / active EE | $4,030 | $5,874-31.4% | $5,168-22.0% | $4,838-16.7% |
| Participant deferral / active EE | $12,816 | $6,357+101.6% | $5,568+130.2% | $6,342+102.1% |
| Admin fee / account holder | $22,534 | $19,816+13.7% | $16,241+38.7% | $12,312+83.0% |