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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 | $405,481 | $154,754+162.0% | $124,206+226.5% | $138,895+191.9% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.6%+30.4pp | 79.9%+20.1pp |
| Annual return | 13.19% | 709.28%-696.1pp | 515.27%-502.1pp | 145.39%-132.2pp |
| Employer contribution / active EE | $2,059 | $4,446-53.7% | $3,540-41.8% | $4,194-50.9% |
| Participant deferral / active EE | $10,058 | $4,621+117.7% | $3,968+153.5% | $6,396+57.3% |
| Admin fee / account holder | $33,064 | $6,690+394.3% | $5,929+457.7% | $12,562+163.2% |