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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 | $322,523 | $115,814+178.5% | $101,275+218.5% | $158,982+102.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 10.52% | 56.16%-45.6pp | 46.48%-36.0pp | 302.99%-292.5pp |
| Employer contribution / active EE | $15,762 | $4,176+277.5% | $3,660+330.6% | $4,763+230.9% |
| Participant deferral / active EE | $9,864 | $4,958+98.9% | $4,371+125.7% | $5,983+64.8% |
| Admin fee / account holder | $39,242 | $7,249+441.4% | $5,948+559.8% | $11,252+248.8% |