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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 | $422,286 | $102,632+311.5% | $81,988+415.1% | $158,950+165.7% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.3%+30.7pp | 82.0%+18.0pp |
| Annual return | 19.86% | 61.05%-41.2pp | 41.31%-21.4pp | 302.91%-283.0pp |
| Employer contribution / active EE | $7,142 | $3,241+120.4% | $2,498+185.9% | $4,762+50.0% |
| Participant deferral / active EE | $6,490 | $4,649+39.6% | $3,722+74.4% | $5,983+8.5% |
| Admin fee / account holder | $11,863 | $8,237+44.0% | $5,665+109.4% | $11,248+5.5% |