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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 | $394,991 | $166,131+137.8% | $164,975+139.4% | $145,877+170.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 35.70% | 100.37%-64.7pp | 70.12%-34.4pp | 551.28%-515.6pp |
| Employer contribution / active EE | $17,327 | $5,276+228.4% | $4,343+299.0% | $4,663+271.6% |
| Participant deferral / active EE | $24,798 | $6,962+256.2% | $6,033+311.0% | $6,691+270.6% |
| Admin fee / account holder | $33,652 | $16,648+102.1% | $12,688+165.2% | $13,402+151.1% |