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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 | $317,346 | $115,814+174.0% | $101,275+213.4% | $158,982+99.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 10.41% | 56.16%-45.7pp | 46.48%-36.1pp | 302.99%-292.6pp |
| Employer contribution / active EE | $12,500 | $4,176+199.3% | $3,660+241.5% | $4,763+162.4% |
| Participant deferral / active EE | $20,975 | $4,958+323.0% | $4,371+379.9% | $5,983+250.5% |
| Admin fee / account holder | $1,814 | $7,249-75.0% | $5,948-69.5% | $11,252-83.9% |