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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 | $340,876 | $157,296+116.7% | $141,191+141.4% | $152,897+122.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 17.12% | 64.34%-47.2pp | 71.41%-54.3pp | 345.43%-328.3pp |
| Employer contribution / active EE | $8,650 | $5,262+64.4% | $4,736+82.6% | $4,764+81.6% |
| Participant deferral / active EE | $7,013 | $7,111-1.4% | $6,710+4.5% | $5,851+19.9% |
| Admin fee / account holder | $40,980 | $12,125+238.0% | $10,264+299.3% | $11,599+253.3% |