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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 | $363,234 | $102,595+254.0% | $94,057+286.2% | $154,746+134.7% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 15.33% | 583.42%-568.1pp | 480.62%-465.3pp | 172.34%-157.0pp |
| Employer contribution / active EE | $22,263 | $3,147+607.4% | $2,933+659.0% | $4,379+408.4% |
| Participant deferral / active EE | $9,756 | $5,118+90.6% | $4,709+107.2% | $6,730+45.0% |
| Admin fee / account holder | $25,468 | $7,736+229.2% | $7,244+251.6% | $14,365+77.3% |