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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 | $312,613 | $157,276+98.8% | $141,177+121.4% | $152,885+104.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 31.53% | 64.33%-32.8pp | 71.40%-39.9pp | 345.39%-313.9pp |
| Employer contribution / active EE | $26,132 | $5,262+396.6% | $4,736+451.8% | $4,763+448.6% |
| Participant deferral / active EE | $4,880 | $7,110-31.4% | $6,710-27.3% | $5,851-16.6% |
| Admin fee / account holder | $953 | $12,123-92.1% | $10,263-90.7% | $11,598-91.8% |