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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 | $316,589 | $152,612+107.4% | $125,192+152.9% | $152,897+107.1% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 17.07% | 54.85%-37.8pp | 43.79%-26.7pp | 345.43%-328.4pp |
| Employer contribution / active EE | $0 | $4,947-100.0% | $3,866-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,246 | $5,868-27.7% | $4,937-14.0% | $5,851-27.4% |
| Admin fee / account holder | $27,568 | $13,437+105.2% | $9,704+184.1% | $11,599+137.7% |