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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 | $438,271 | $111,535+292.9% | $105,223+316.5% | $137,256+219.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 13.92% | 237.85%-223.9pp | 180.65%-166.7pp | 220.34%-206.4pp |
| Employer contribution / active EE | $20,511 | $3,939+420.7% | $3,689+456.1% | $4,156+393.5% |
| Participant deferral / active EE | $16,587 | $5,500+201.6% | $5,072+227.1% | $6,407+158.9% |
| Admin fee / account holder | $1,479 | $9,721-84.8% | $8,859-83.3% | $12,270-87.9% |