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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 | $357,966 | $166,020+115.6% | $164,866+117.1% | $145,959+145.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 10.53% | 100.08%-89.5pp | 69.97%-59.4pp | 561.95%-551.4pp |
| Employer contribution / active EE | $32,000 | $5,275+506.7% | $4,343+636.9% | $4,661+586.6% |
| Participant deferral / active EE | $15,333 | $6,961+120.3% | $6,033+154.2% | $6,689+129.2% |
| Admin fee / account holder | $2,823 | $16,644-83.0% | $12,689-77.7% | $13,398-78.9% |