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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 | $297,664 | $109,967+170.7% | $97,197+206.2% | $145,877+104.1% |
| Participation rate | 100.0% | 76.0%+24.0pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 12.73% | 244.27%-231.5pp | 75.47%-62.7pp | 551.28%-538.6pp |
| Employer contribution / active EE | $24,589 | $3,077+699.2% | $2,723+803.1% | $4,663+427.3% |
| Participant deferral / active EE | $12,812 | $4,676+174.0% | $4,263+200.5% | $6,691+91.5% |
| Admin fee / account holder | $12,955 | $6,199+109.0% | $5,637+129.8% | $13,402-3.3% |