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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 | $308,752 | $100,139+208.3% | $85,187+262.4% | $145,884+111.6% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 15.67% | 84.15%-68.5pp | 66.67%-51.0pp | 551.85%-536.2pp |
| Employer contribution / active EE | $15,763 | $3,238+386.8% | $2,732+476.9% | $4,662+238.1% |
| Participant deferral / active EE | $9,460 | $5,296+78.6% | $4,525+109.1% | $6,690+41.4% |
| Admin fee / account holder | $2,650 | $7,262-63.5% | $6,162-57.0% | $13,392-80.2% |