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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 | $433,799 | $112,131+286.9% | $95,964+352.0% | $158,982+172.9% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 15.49% | 171.19%-155.7pp | 91.64%-76.2pp | 302.99%-287.5pp |
| Employer contribution / active EE | $12,375 | $3,199+286.8% | $2,541+387.0% | $4,763+159.8% |
| Participant deferral / active EE | $20,202 | $4,784+322.3% | $4,167+384.8% | $5,983+237.6% |
| Admin fee / account holder | $7,250 | $10,136-28.5% | $6,797+6.7% | $11,252-35.6% |