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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 | $447,159 | $166,020+169.3% | $164,866+171.2% | $145,959+206.4% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 13.32% | 100.08%-86.8pp | 69.97%-56.7pp | 561.95%-548.6pp |
| Employer contribution / active EE | $2,843 | $5,275-46.1% | $4,343-34.5% | $4,661-39.0% |
| Participant deferral / active EE | $4,529 | $6,961-34.9% | $6,033-24.9% | $6,689-32.3% |
| Admin fee / account holder | $11,778 | $16,644-29.2% | $12,689-7.2% | $13,398-12.1% |