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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 | $270,069 | $85,060+217.5% | $70,548+282.8% | $139,456+93.7% |
| Participation rate | 100.0% | 73.9%+26.1pp | 68.3%+31.7pp | 80.3%+19.7pp |
| Annual return | 18.61% | 30.38%-11.8pp | 32.78%-14.2pp | 373.45%-354.8pp |
| Employer contribution / active EE | $4,987 | $3,911+27.5% | $2,975+67.6% | $4,753+4.9% |
| Participant deferral / active EE | $19,385 | $5,890+229.1% | $4,567+324.4% | $6,711+188.8% |
| Admin fee / account holder | $450 | $8,925-95.0% | $6,424-93.0% | $11,407-96.1% |