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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 | $110,039+193.0% | $97,260+231.5% | $145,884+121.0% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 21.48% | 244.44%-223.0pp | 75.54%-54.1pp | 551.85%-530.4pp |
| Employer contribution / active EE | $27,735 | $3,074+802.2% | $2,721+919.2% | $4,662+494.9% |
| Participant deferral / active EE | $17,088 | $4,674+265.6% | $4,262+301.0% | $6,690+155.4% |
| Admin fee / account holder | $1,048 | $6,204-83.1% | $5,640-81.4% | $13,392-92.2% |