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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 | $375,250 | $152,619+145.9% | $125,195+199.7% | $152,909+145.4% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 22.27% | 54.85%-32.6pp | 43.79%-21.5pp | 345.46%-323.2pp |
| Employer contribution / active EE | $5,558 | $4,947+12.3% | $3,866+43.8% | $4,764+16.7% |
| Participant deferral / active EE | $13,995 | $5,869+138.5% | $4,937+183.4% | $5,851+139.2% |
| Admin fee / account holder | $102,641 | $13,437+663.8% | $9,704+957.7% | $11,601+784.8% |