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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 | $314,415 | $157,276+99.9% | $141,177+122.7% | $152,885+105.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 24.18% | 64.33%-40.2pp | 71.40%-47.2pp | 345.39%-321.2pp |
| Employer contribution / active EE | $1,971 | $5,262-62.5% | $4,736-58.4% | $4,763-58.6% |
| Participant deferral / active EE | $13,715 | $7,110+92.9% | $6,710+104.4% | $5,851+134.4% |
| Admin fee / account holder | $24,860 | $12,123+105.1% | $10,263+142.2% | $11,598+114.3% |