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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 | $275,477 | $142,430+93.4% | $115,170+139.2% | $152,885+80.2% |
| Participation rate | 100.0% | 82.4%+17.6pp | 75.9%+24.1pp | 82.5%+17.5pp |
| Annual return | 15.64% | 41.48%-25.8pp | 35.60%-20.0pp | 345.39%-329.8pp |
| Employer contribution / active EE | $12,070 | $4,011+200.9% | $3,179+279.7% | $4,763+153.4% |
| Participant deferral / active EE | $7,316 | $5,165+41.7% | $4,169+75.5% | $5,851+25.0% |
| Admin fee / account holder | $17,370 | $8,464+105.2% | $7,089+145.0% | $11,598+49.8% |