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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 | $318,879 | $100,139+218.4% | $85,187+274.3% | $145,884+118.6% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 20.21% | 84.15%-63.9pp | 66.67%-46.5pp | 551.85%-531.6pp |
| Employer contribution / active EE | $13,623 | $3,238+320.7% | $2,732+398.6% | $4,662+192.2% |
| Participant deferral / active EE | $14,840 | $5,296+180.2% | $4,525+228.0% | $6,690+121.8% |
| Admin fee / account holder | $534 | $7,262-92.6% | $6,162-91.3% | $13,392-96.0% |