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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 | $361,350 | $152,612+136.8% | $125,192+188.6% | $152,897+136.3% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 27.02% | 54.85%-27.8pp | 43.79%-16.8pp | 345.43%-318.4pp |
| Employer contribution / active EE | $6,135 | $4,947+24.0% | $3,866+58.7% | $4,764+28.8% |
| Participant deferral / active EE | $12,500 | $5,868+113.0% | $4,937+153.2% | $5,851+113.6% |
| Admin fee / account holder | $41,854 | $13,437+211.5% | $9,704+331.3% | $11,599+260.8% |