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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 | $277,654 | $148,629+86.8% | $135,982+104.2% | $139,487+99.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 19.82% | 79.33%-59.5pp | 68.32%-48.5pp | 373.84%-354.0pp |
| Employer contribution / active EE | $36,135 | $5,247+588.7% | $4,859+643.7% | $4,755+660.0% |
| Participant deferral / active EE | $22,500 | $8,102+177.7% | $7,760+190.0% | $6,713+235.2% |
| Admin fee / account holder | $570 | $12,406-95.4% | $10,767-94.7% | $11,407-95.0% |