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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 | $441,216 | $96,524+357.1% | $75,900+481.3% | $152,909+188.5% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 44.56% | 33.93%+10.6pp | 30.73%+13.8pp | 345.46%-300.9pp |
| Employer contribution / active EE | $11,865 | $3,311+258.4% | $2,501+374.4% | $4,764+149.1% |
| Participant deferral / active EE | $11,000 | $4,554+141.5% | $3,604+205.3% | $5,851+88.0% |
| Admin fee / account holder | $16,865 | $8,082+108.7% | $5,421+211.1% | $11,601+45.4% |