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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 | $437,772 | $100,203+336.9% | $85,240+413.6% | $145,897+200.1% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 16.11% | 84.28%-68.2pp | 66.75%-50.6pp | 552.29%-536.2pp |
| Employer contribution / active EE | $6,539 | $3,242+101.7% | $2,735+139.1% | $4,663+40.2% |
| Participant deferral / active EE | $12,723 | $5,299+140.1% | $4,527+181.0% | $6,689+90.2% |
| Admin fee / account holder | $64,807 | $7,265+792.0% | $6,165+951.2% | $13,390+384.0% |