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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 | $431,932 | $134,817+220.4% | $123,973+248.4% | $155,188+178.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 13.33% | 515.49%-502.2pp | 388.13%-374.8pp | 148.84%-135.5pp |
| Employer contribution / active EE | $13,834 | $4,425+212.6% | $4,126+235.3% | $4,248+225.7% |
| Participant deferral / active EE | $18,060 | $5,706+216.5% | $5,247+244.2% | $6,531+176.5% |
| Admin fee / account holder | $3,279 | $13,245-75.2% | $11,799-72.2% | $14,480-77.4% |