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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 | $467,184 | $157,304+197.0% | $141,197+230.9% | $152,909+205.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 21.22% | 64.34%-43.1pp | 71.41%-50.2pp | 345.46%-324.2pp |
| Employer contribution / active EE | $2,871 | $5,263-45.4% | $4,736-39.4% | $4,764-39.7% |
| Participant deferral / active EE | $12,567 | $7,111+76.7% | $6,710+87.3% | $5,851+114.8% |
| Admin fee / account holder | $26,072 | $12,126+115.0% | $10,265+154.0% | $11,601+124.7% |