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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 | $270,699 | $111,785+142.2% | $93,669+189.0% | $145,877+85.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 22.20% | 203.79%-181.6pp | 133.59%-111.4pp | 551.28%-529.1pp |
| Employer contribution / active EE | $3,399 | $3,096+9.8% | $2,424+40.2% | $4,663-27.1% |
| Participant deferral / active EE | $12,025 | $4,919+144.5% | $4,416+172.3% | $6,691+79.7% |
| Admin fee / account holder | $6,033 | $10,256-41.2% | $8,291-27.2% | $13,402-55.0% |