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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 | $502,337 | $111,830+349.2% | $93,696+436.1% | $145,884+244.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 12.15% | 204.08%-191.9pp | 133.74%-121.6pp | 551.85%-539.7pp |
| Employer contribution / active EE | $2,920 | $3,093-5.6% | $2,422+20.6% | $4,662-37.4% |
| Participant deferral / active EE | $18,174 | $4,920+269.4% | $4,417+311.5% | $6,690+171.7% |
| Admin fee / account holder | $3,586 | $10,249-65.0% | $8,287-56.7% | $13,392-73.2% |