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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 | $289,292 | $132,634+118.1% | $115,768+149.9% | $137,256+110.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 13.44% | 160.70%-147.3pp | 100.46%-87.0pp | 220.34%-206.9pp |
| Employer contribution / active EE | $18,688 | $3,360+456.2% | $2,940+535.7% | $4,156+349.7% |
| Participant deferral / active EE | $7,956 | $5,619+41.6% | $4,917+61.8% | $6,407+24.2% |
| Admin fee / account holder | $28,069 | $15,028+86.8% | $12,439+125.6% | $12,270+128.8% |