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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 | $405,348 | $101,618+298.9% | $93,063+335.6% | $137,256+195.3% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | 16.93% | 223.95%-207.0pp | 34.15%-17.2pp | 220.34%-203.4pp |
| Employer contribution / active EE | $26,897 | $2,707+893.6% | $2,476+986.3% | $4,156+547.2% |
| Participant deferral / active EE | $15,616 | $4,279+264.9% | $3,958+294.5% | $6,407+143.7% |
| Admin fee / account holder | $1,348 | $6,198-78.3% | $6,033-77.7% | $12,270-89.0% |