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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 | $259,869 | $111,785+132.5% | $93,669+177.4% | $145,877+78.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 21.29% | 203.79%-182.5pp | 133.59%-112.3pp | 551.28%-530.0pp |
| Employer contribution / active EE | $11,213 | $3,096+262.2% | $2,424+362.7% | $4,663+140.5% |
| Participant deferral / active EE | $8,815 | $4,919+79.2% | $4,416+99.6% | $6,691+31.7% |
| Admin fee / account holder | $1,063 | $10,256-89.6% | $8,291-87.2% | $13,402-92.1% |