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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 | $282,644 | $95,601+195.7% | $77,183+266.2% | $139,456+102.7% |
| Participation rate | 100.0% | 74.0%+26.0pp | 69.6%+30.4pp | 80.3%+19.7pp |
| Annual return | 20.98% | 54.96%-34.0pp | 37.89%-16.9pp | 373.45%-352.5pp |
| Employer contribution / active EE | $5,841 | $3,145+85.7% | $2,534+130.6% | $4,753+22.9% |
| Participant deferral / active EE | $10,500 | $4,623+127.1% | $3,833+174.0% | $6,711+56.5% |
| Admin fee / account holder | $2,064 | $8,302-75.1% | $5,475-62.3% | $11,407-81.9% |