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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 | $346,564 | $102,422+238.4% | $147,117+135.6% | $80,959+328.1% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 12.60% | 135.16%-122.6pp | 420.54%-407.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $10,684 | $3,717+187.4% | $4,932+116.6% | $2,757+287.5% |
| Participant deferral / active EE | $7,586 | $6,652+14.0% | $8,065-5.9% | $4,300+76.4% |
| Admin fee / account holder | $15,099 | $7,953+89.8% | $12,993+16.2% | $6,925+118.0% |