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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 | $310,714 | $152,592+103.6% | $125,180+148.2% | $152,885+103.2% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 15.34% | 54.84%-39.5pp | 43.79%-28.5pp | 345.39%-330.0pp |
| Employer contribution / active EE | $5,914 | $4,947+19.6% | $3,866+53.0% | $4,763+24.2% |
| Participant deferral / active EE | $20,063 | $5,868+241.9% | $4,937+306.4% | $5,851+242.9% |
| Admin fee / account holder | $17,565 | $13,435+30.7% | $9,703+81.0% | $11,598+51.4% |