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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 | $435,318 | $110,039+295.6% | $97,260+347.6% | $145,884+198.4% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 11.98% | 244.44%-232.5pp | 75.54%-63.6pp | 551.85%-539.9pp |
| Employer contribution / active EE | $28,396 | $3,074+823.7% | $2,721+943.5% | $4,662+509.1% |
| Participant deferral / active EE | $19,129 | $4,674+309.3% | $4,262+348.9% | $6,690+186.0% |
| Admin fee / account holder | $2,473 | $6,204-60.1% | $5,640-56.1% | $13,392-81.5% |