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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 | $468,362 | $154,209+203.7% | $130,062+260.1% | $139,487+235.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 20.46% | 32.52%-12.1pp | -137.37%+157.8pp | 373.84%-353.4pp |
| Employer contribution / active EE | $8,677 | $5,292+64.0% | $4,322+100.8% | $4,755+82.5% |
| Participant deferral / active EE | $21,462 | $6,709+219.9% | $5,821+268.7% | $6,713+219.7% |
| Admin fee / account holder | $2,071 | $13,988-85.2% | $10,601-80.5% | $11,407-81.8% |