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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 | $313,634 | $208,088+50.7% | $186,193+68.4% | $154,746+102.7% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 14.66% | 89.97%-75.3pp | 78.03%-63.4pp | 172.34%-157.7pp |
| Employer contribution / active EE | $46,770 | $4,340+977.7% | $3,918+1093.7% | $4,379+968.0% |
| Participant deferral / active EE | $11,274 | $7,078+59.3% | $6,513+73.1% | $6,730+67.5% |
| Admin fee / account holder | $98,017 | $11,698+737.9% | $11,058+786.4% | $14,365+582.3% |