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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 | $114,013+218.6% | $103,693+250.3% | $155,188+134.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 15.33% | 49.31%-34.0pp | 47.61%-32.3pp | 148.84%-133.5pp |
| Employer contribution / active EE | $22,263 | $3,131+611.0% | $2,920+662.3% | $4,248+424.1% |
| Participant deferral / active EE | $9,756 | $4,970+96.3% | $4,579+113.0% | $6,531+49.4% |
| Admin fee / account holder | $25,468 | $8,407+202.9% | $7,858+224.1% | $14,480+75.9% |