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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 | $358,391 | $152,612+134.8% | $125,192+186.3% | $152,897+134.4% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 26.76% | 54.85%-28.1pp | 43.79%-17.0pp | 345.43%-318.7pp |
| Employer contribution / active EE | $16,118 | $4,947+225.8% | $3,866+316.9% | $4,764+238.4% |
| Participant deferral / active EE | $16,415 | $5,868+179.7% | $4,937+232.5% | $5,851+180.5% |
| Admin fee / account holder | $13,772 | $13,437+2.5% | $9,704+41.9% | $11,599+18.7% |