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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 | $349,940 | $103,393+238.5% | $87,103+301.8% | $152,909+128.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 18.64% | 28.10%-9.5pp | 28.19%-9.6pp | 345.46%-326.8pp |
| Employer contribution / active EE | $13,591 | $3,221+321.9% | $2,521+439.0% | $4,764+185.3% |
| Participant deferral / active EE | $12,500 | $4,778+161.6% | $4,049+208.8% | $5,851+113.6% |
| Admin fee / account holder | $12,998 | $12,195+6.6% | $7,491+73.5% | $11,601+12.0% |