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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 | $297,505 | $108,942+173.1% | $100,415+196.3% | $145,897+103.9% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 22.36% | 58.27%-35.9pp | 49.47%-27.1pp | 552.29%-529.9pp |
| Employer contribution / active EE | $10,793 | $4,422+144.1% | $3,943+173.7% | $4,663+131.5% |
| Participant deferral / active EE | $16,861 | $8,461+99.3% | $8,091+108.4% | $6,689+152.1% |
| Admin fee / account holder | $651 | $9,702-93.3% | $7,906-91.8% | $13,390-95.1% |