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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 | $295,591 | $157,304+87.9% | $141,197+109.3% | $152,909+93.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 14.72% | 64.34%-49.6pp | 71.41%-56.7pp | 345.46%-330.7pp |
| Employer contribution / active EE | $2,044 | $5,263-61.2% | $4,736-56.8% | $4,764-57.1% |
| Participant deferral / active EE | $18,750 | $7,111+163.7% | $6,710+179.4% | $5,851+220.4% |
| Admin fee / account holder | $1,142 | $12,126-90.6% | $10,265-88.9% | $11,601-90.2% |