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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 | $380,449 | $111,535+241.1% | $105,223+261.6% | $137,256+177.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.19% | 237.85%-222.7pp | 180.65%-165.5pp | 220.34%-205.1pp |
| Employer contribution / active EE | $15,955 | $3,939+305.0% | $3,689+332.6% | $4,156+283.9% |
| Participant deferral / active EE | $18,167 | $5,500+230.3% | $5,072+258.2% | $6,407+183.6% |
| Admin fee / account holder | $2,397 | $9,721-75.3% | $8,859-72.9% | $12,270-80.5% |