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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 | $322,420 | $110,093+192.9% | $97,295+231.4% | $145,897+121.0% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 21.48% | 244.76%-223.3pp | 75.62%-54.1pp | 552.29%-530.8pp |
| Employer contribution / active EE | $27,735 | $3,077+801.3% | $2,723+918.6% | $4,663+494.8% |
| Participant deferral / active EE | $17,088 | $4,678+265.3% | $4,264+300.8% | $6,689+155.5% |
| Admin fee / account holder | $1,048 | $6,212-83.1% | $5,646-81.4% | $13,390-92.2% |