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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 | $401,541 | $100,073+301.2% | $85,126+371.7% | $145,877+175.3% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 12.53% | 84.11%-71.6pp | 66.63%-54.1pp | 551.28%-538.8pp |
| Employer contribution / active EE | $31,064 | $3,236+859.8% | $2,731+1037.3% | $4,663+566.2% |
| Participant deferral / active EE | $22,443 | $5,294+323.9% | $4,523+396.2% | $6,691+235.4% |
| Admin fee / account holder | $3,480 | $7,261-52.1% | $6,160-43.5% | $13,402-74.0% |