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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 | $99,921+338.1% | $85,009+415.0% | $145,959+199.9% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 16.11% | 83.89%-67.8pp | 66.47%-50.4pp | 561.95%-545.8pp |
| Employer contribution / active EE | $6,539 | $3,233+102.3% | $2,728+139.7% | $4,661+40.3% |
| Participant deferral / active EE | $12,723 | $5,293+140.4% | $4,522+181.4% | $6,689+90.2% |
| Admin fee / account holder | $64,807 | $7,252+793.7% | $6,153+953.3% | $13,398+383.7% |