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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 | $354,740 | $115,810+206.3% | $101,271+250.3% | $158,966+123.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 12.10% | 56.15%-44.1pp | 46.48%-34.4pp | 302.95%-290.9pp |
| Employer contribution / active EE | $14,376 | $4,175+244.3% | $3,660+292.8% | $4,762+201.9% |
| Participant deferral / active EE | $20,014 | $4,958+303.7% | $4,371+357.9% | $5,983+234.5% |
| Admin fee / account holder | $50,049 | $7,248+590.5% | $5,948+741.5% | $11,250+344.9% |