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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 | $436,253 | $118,708+267.5% | $98,920+341.0% | $158,982+174.4% |
| Participation rate | 100.0% | 77.8%+22.2pp | 76.0%+24.0pp | 82.0%+18.0pp |
| Annual return | 10.93% | 372.49%-361.6pp | 196.47%-185.5pp | 302.99%-292.1pp |
| Employer contribution / active EE | $14,291 | $3,334+328.6% | $2,689+431.4% | $4,763+200.0% |
| Participant deferral / active EE | $4,861 | $5,089-4.5% | $4,245+14.5% | $5,983-18.8% |
| Admin fee / account holder | $8,130 | $10,134-19.8% | $6,643+22.4% | $11,252-27.7% |