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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 | $428,308 | $162,812+163.1% | $133,971+219.7% | $158,966+169.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 32.39% | 41.94%-9.6pp | 45.09%-12.7pp | 302.95%-270.6pp |
| Employer contribution / active EE | $18,571 | $4,976+273.2% | $3,919+373.9% | $4,762+289.9% |
| Participant deferral / active EE | $14,343 | $5,910+142.7% | $5,047+184.2% | $5,983+139.7% |
| Admin fee / account holder | $2,591 | $11,741-77.9% | $8,929-71.0% | $11,250-77.0% |