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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 | $447,725 | $157,296+184.6% | $141,191+217.1% | $152,897+192.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 21.19% | 64.34%-43.1pp | 71.41%-50.2pp | 345.43%-324.2pp |
| Employer contribution / active EE | $21,223 | $5,262+303.3% | $4,736+348.1% | $4,764+345.5% |
| Participant deferral / active EE | $17,894 | $7,111+151.7% | $6,710+166.7% | $5,851+205.8% |
| Admin fee / account holder | $2,899 | $12,125-76.1% | $10,264-71.8% | $11,599-75.0% |