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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 | $385,303 | $107,368+258.9% | $92,915+314.7% | $152,909+152.0% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 22.06% | 145.64%-123.6pp | 109.45%-87.4pp | 345.46%-323.4pp |
| Employer contribution / active EE | $11,569 | $4,222+174.0% | $3,653+216.7% | $4,764+142.9% |
| Participant deferral / active EE | $10,747 | $4,848+121.7% | $4,238+153.6% | $5,851+83.7% |
| Admin fee / account holder | $2,795 | $7,082-60.5% | $5,796-51.8% | $11,601-75.9% |