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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 | $294,084 | $70,366+317.9% | $66,674+341.1% | $138,895+111.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 13.57% | 386.41%-372.8pp | 321.24%-307.7pp | 145.39%-131.8pp |
| Employer contribution / active EE | $4,485 | $2,765+62.2% | $2,620+71.2% | $4,194+6.9% |
| Participant deferral / active EE | $13,722 | $4,374+213.7% | $4,084+236.0% | $6,396+114.5% |
| Admin fee / account holder | $13,625 | $5,262+158.9% | $5,098+167.3% | $12,562+8.5% |