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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 | $273,550 | $90,530+202.2% | $76,030+259.8% | $145,897+87.5% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 21.50% | 625.08%-603.6pp | 361.54%-340.0pp | 552.29%-530.8pp |
| Employer contribution / active EE | $26,771 | $3,319+706.5% | $2,688+896.1% | $4,663+474.2% |
| Participant deferral / active EE | $10,561 | $5,164+104.5% | $4,257+148.1% | $6,689+57.9% |
| Admin fee / account holder | $1,263 | $8,383-84.9% | $6,421-80.3% | $13,390-90.6% |