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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 | $298,198 | $115,810+157.5% | $101,271+194.5% | $158,966+87.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 16.69% | 56.15%-39.5pp | 46.48%-29.8pp | 302.95%-286.3pp |
| Employer contribution / active EE | $17,677 | $4,175+323.4% | $3,660+383.0% | $4,762+271.2% |
| Participant deferral / active EE | $11,849 | $4,958+139.0% | $4,371+171.1% | $5,983+98.0% |
| Admin fee / account holder | $5,586 | $7,248-22.9% | $5,948-6.1% | $11,250-50.4% |