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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 | $255,804 | $70,366+263.5% | $66,674+283.7% | $138,895+84.2% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 13.40% | 386.41%-373.0pp | 321.24%-307.8pp | 145.39%-132.0pp |
| Employer contribution / active EE | $11,049 | $2,765+299.6% | $2,620+321.7% | $4,194+163.4% |
| Participant deferral / active EE | $7,154 | $4,374+63.6% | $4,084+75.2% | $6,396+11.8% |
| Admin fee / account holder | $69,871 | $5,262+1227.7% | $5,098+1270.5% | $12,562+456.2% |