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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 | $287,204 | $110,801+159.2% | $86,615+231.6% | $167,536+71.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 71.6%+28.4pp | 82.1%+17.9pp |
| Annual return | 13.57% | 116.96%-103.4pp | 63.51%-49.9pp | 478.82%-465.3pp |
| Employer contribution / active EE | $15,587 | $3,245+380.4% | $2,496+524.6% | $4,839+222.1% |
| Participant deferral / active EE | $10,593 | $4,547+133.0% | $3,699+186.4% | $6,342+67.0% |
| Admin fee / account holder | $18,687 | $8,417+122.0% | $5,830+220.6% | $12,315+51.7% |