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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 | $272,591 | $99,079+175.1% | $78,002+249.5% | $273,972-0.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.5%+24.5pp | 83.0%+17.0pp |
| Annual return | 17.05% | 217.93%-200.9pp | 425.99%-408.9pp | 41.46%-24.4pp |
| Employer contribution / active EE | $13,121 | $3,308+296.7% | $2,470+431.2% | $4,869+169.5% |
| Participant deferral / active EE | $12,544 | $4,306+191.3% | $3,497+258.7% | $5,287+137.3% |
| Admin fee / account holder | $3,638 | $8,954-59.4% | $5,481-33.6% | $10,133-64.1% |