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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 | $111,830+142.1% | $93,696+188.9% | $145,884+85.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 22.20% | 204.08%-181.9pp | 133.74%-111.5pp | 551.85%-529.6pp |
| Employer contribution / active EE | $3,399 | $3,093+9.9% | $2,422+40.3% | $4,662-27.1% |
| Participant deferral / active EE | $12,025 | $4,920+144.4% | $4,417+172.3% | $6,690+79.8% |
| Admin fee / account holder | $6,033 | $10,249-41.1% | $8,287-27.2% | $13,392-55.0% |