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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 | $531,831 | $165,584+221.2% | $142,942+272.1% | $137,256+287.5% |
| Participation rate | 100.0% | 80.1%+19.9pp | 76.8%+23.2pp | 80.0%+20.0pp |
| Annual return | 15.21% | 164.22%-149.0pp | 113.70%-98.5pp | 220.34%-205.1pp |
| Employer contribution / active EE | $2,250 | $4,725-52.4% | $4,139-45.6% | $4,156-45.9% |
| Participant deferral / active EE | $26,151 | $8,194+219.2% | $7,128+266.9% | $6,407+308.2% |
| Admin fee / account holder | $1,970 | $16,167-87.8% | $12,475-84.2% | $12,270-83.9% |