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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 | $399,821 | $112,131+256.6% | $95,964+316.6% | $158,982+151.5% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 15.86% | 171.19%-155.3pp | 91.64%-75.8pp | 302.99%-287.1pp |
| Employer contribution / active EE | $2,466 | $3,199-22.9% | $2,541-3.0% | $4,763-48.2% |
| Participant deferral / active EE | $14,441 | $4,784+201.9% | $4,167+246.6% | $5,983+141.3% |
| Admin fee / account holder | $419 | $10,136-95.9% | $6,797-93.8% | $11,252-96.3% |