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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 | $298,079 | $154,209+93.3% | $130,062+129.2% | $139,487+113.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 19.08% | 32.52%-13.4pp | -137.37%+156.5pp | 373.84%-354.8pp |
| Employer contribution / active EE | $20,862 | $5,292+294.2% | $4,322+382.7% | $4,755+338.8% |
| Participant deferral / active EE | $10,904 | $6,709+62.5% | $5,821+87.3% | $6,713+62.4% |
| Admin fee / account holder | $1,839 | $13,988-86.9% | $10,601-82.7% | $11,407-83.9% |