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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 | $378,332 | $183,539+106.1% | $155,556+143.2% | $145,897+159.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 36.51% | 61.31%-24.8pp | 64.84%-28.3pp | 552.29%-515.8pp |
| Employer contribution / active EE | $1,736 | $5,315-67.3% | $4,675-62.9% | $4,663-62.8% |
| Participant deferral / active EE | $10,800 | $6,467+67.0% | $5,631+91.8% | $6,689+61.5% |
| Admin fee / account holder | $12,132 | $19,275-37.1% | $15,885-23.6% | $13,390-9.4% |