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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 | $328,896 | $102,385+221.2% | $147,080+123.6% | $80,935+306.4% |
| Participation rate | 96.3% | 75.9%+20.4pp | 82.2%+14.1pp | 67.7%+28.6pp |
| Annual return | 15.09% | 135.09%-120.0pp | 420.17%-405.1pp | 35.66%-20.6pp |
| Employer contribution / active EE | $12,619 | $3,717+239.5% | $4,933+155.8% | $2,757+357.7% |
| Participant deferral / active EE | $18,071 | $6,651+171.7% | $8,066+124.0% | $4,299+320.3% |
| Admin fee / account holder | $27,788 | $7,951+249.5% | $12,989+113.9% | $6,924+301.3% |