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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 | $448,869 | $171,492+161.7% | $150,734+197.8% | $198,609+126.0% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 10.79% | 804.70%-793.9pp | 600.81%-590.0pp | 202.70%-191.9pp |
| Employer contribution / active EE | $24,553 | $5,470+348.9% | $4,918+399.2% | $5,055+385.7% |
| Participant deferral / active EE | $17,544 | $6,259+180.3% | $5,610+212.7% | $6,977+151.5% |
| Admin fee / account holder | $735 | $17,628-95.8% | $14,905-95.1% | $19,030-96.1% |