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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 | $440,250 | $148,629+196.2% | $135,982+223.8% | $139,487+215.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 70.61% | 79.33%-8.7pp | 68.32%+2.3pp | 373.84%-303.2pp |
| Employer contribution / active EE | $3,802 | $5,247-27.5% | $4,859-21.8% | $4,755-20.0% |
| Participant deferral / active EE | $18,833 | $8,102+132.4% | $7,760+142.7% | $6,713+180.6% |
| Admin fee / account holder | $32,121 | $12,406+158.9% | $10,767+198.3% | $11,407+181.6% |