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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 | $343,339 | $72,071+376.4% | $68,368+402.2% | $137,256+150.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 15.20% | 353.14%-337.9pp | 292.57%-277.4pp | 220.34%-205.1pp |
| Employer contribution / active EE | $12,025 | $2,788+331.3% | $2,649+354.0% | $4,156+189.3% |
| Participant deferral / active EE | $13,912 | $4,410+215.5% | $4,123+237.4% | $6,407+117.1% |
| Admin fee / account holder | $3,186 | $5,336-40.3% | $5,150-38.1% | $12,270-74.0% |