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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 | $348,569 | $109,908+217.1% | $97,161+258.8% | $145,978+138.8% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 27.79% | 243.80%-216.0pp | 75.36%-47.6pp | 550.52%-522.7pp |
| Employer contribution / active EE | $469 | $3,077-84.8% | $2,723-82.8% | $4,662-89.9% |
| Participant deferral / active EE | $1,000 | $4,679-78.6% | $4,265-76.6% | $6,690-85.1% |
| Admin fee / account holder | $43,941 | $6,213+607.3% | $5,647+678.1% | $13,400+227.9% |