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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 | $428,935 | $108,882+293.9% | $96,754+343.3% | $154,746+177.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 13.39% | 98.39%-85.0pp | 82.04%-68.6pp | 172.34%-158.9pp |
| Employer contribution / active EE | $7,715 | $3,018+155.6% | $2,679+188.0% | $4,379+76.2% |
| Participant deferral / active EE | $21,468 | $5,323+303.3% | $4,758+351.2% | $6,730+219.0% |
| Admin fee / account holder | $3,623 | $10,200-64.5% | $8,905-59.3% | $14,365-74.8% |