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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 | $109,908+170.8% | $97,161+206.4% | $145,978+103.9% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 12.73% | 243.80%-231.1pp | 75.36%-62.6pp | 550.52%-537.8pp |
| Employer contribution / active EE | $24,589 | $3,077+699.0% | $2,723+802.9% | $4,662+427.5% |
| Participant deferral / active EE | $12,812 | $4,679+173.8% | $4,265+200.4% | $6,690+91.5% |
| Admin fee / account holder | $12,955 | $6,213+108.5% | $5,647+129.4% | $13,400-3.3% |