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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 | $438,729 | $154,209+184.5% | $130,062+237.3% | $139,487+214.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 19.17% | 32.52%-13.4pp | -137.37%+156.5pp | 373.84%-354.7pp |
| Employer contribution / active EE | $16,284 | $5,292+207.7% | $4,322+276.8% | $4,755+242.5% |
| Participant deferral / active EE | $17,390 | $6,709+159.2% | $5,821+198.8% | $6,713+159.1% |
| Admin fee / account holder | $530 | $13,988-96.2% | $10,601-95.0% | $11,407-95.4% |