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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 | $309,833 | $111,535+177.8% | $105,223+194.5% | $137,256+125.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.96% | 237.85%-221.9pp | 180.65%-164.7pp | 220.34%-204.4pp |
| Employer contribution / active EE | $16,760 | $3,939+325.4% | $3,689+354.4% | $4,156+303.3% |
| Participant deferral / active EE | $14,302 | $5,500+160.0% | $5,072+182.0% | $6,407+123.2% |
| Admin fee / account holder | $1,765 | $9,721-81.8% | $8,859-80.1% | $12,270-85.6% |