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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 | $294,067 | $115,814+153.9% | $101,275+190.4% | $158,982+85.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 20.17% | 56.16%-36.0pp | 46.48%-26.3pp | 302.99%-282.8pp |
| Employer contribution / active EE | $23,303 | $4,176+458.0% | $3,660+536.7% | $4,763+389.3% |
| Participant deferral / active EE | $9,092 | $4,958+83.4% | $4,371+108.0% | $5,983+51.9% |
| Admin fee / account holder | $326 | $7,249-95.5% | $5,948-94.5% | $11,252-97.1% |