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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 | $373,648 | $149,040+150.7% | $120,225+210.8% | $137,256+172.2% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 12.50% | 605.68%-593.2pp | 439.23%-426.7pp | 220.34%-207.8pp |
| Employer contribution / active EE | $12,821 | $4,350+194.7% | $3,475+268.9% | $4,156+208.5% |
| Participant deferral / active EE | $6,950 | $4,655+49.3% | $3,999+73.8% | $6,407+8.5% |
| Admin fee / account holder | $2,827 | $6,348-55.5% | $5,696-50.4% | $12,270-77.0% |