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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 | $417,166 | $111,785+273.2% | $93,669+345.4% | $145,877+186.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 22.38% | 203.79%-181.4pp | 133.59%-111.2pp | 551.28%-528.9pp |
| Employer contribution / active EE | $4,045 | $3,096+30.7% | $2,424+66.9% | $4,663-13.2% |
| Participant deferral / active EE | $13,538 | $4,919+175.2% | $4,416+206.6% | $6,691+102.4% |
| Admin fee / account holder | $1,658 | $10,256-83.8% | $8,291-80.0% | $13,402-87.6% |