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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 | $251,563 | $154,209+63.1% | $130,062+93.4% | $139,487+80.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 13.51% | 32.52%-19.0pp | -137.37%+150.9pp | 373.84%-360.3pp |
| Employer contribution / active EE | $18,680 | $5,292+253.0% | $4,322+332.2% | $4,755+292.9% |
| Participant deferral / active EE | $16,025 | $6,709+138.8% | $5,821+175.3% | $6,713+138.7% |
| Admin fee / account holder | $1,168 | $13,988-91.7% | $10,601-89.0% | $11,407-89.8% |