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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 | $421,042 | $118,708+254.7% | $98,920+325.6% | $158,982+164.8% |
| Participation rate | 100.0% | 77.8%+22.2pp | 76.0%+24.0pp | 82.0%+18.0pp |
| Annual return | 65.53% | 372.49%-307.0pp | 196.47%-130.9pp | 302.99%-237.5pp |
| Employer contribution / active EE | $2,122 | $3,334-36.3% | $2,689-21.1% | $4,763-55.4% |
| Participant deferral / active EE | $3,591 | $5,089-29.4% | $4,245-15.4% | $5,983-40.0% |
| Admin fee / account holder | $2,982 | $10,134-70.6% | $6,643-55.1% | $11,252-73.5% |