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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 | $438,355 | $152,612+187.2% | $125,192+250.1% | $152,897+186.7% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 11.95% | 54.85%-42.9pp | 43.79%-31.8pp | 345.43%-333.5pp |
| Employer contribution / active EE | $22,812 | $4,947+361.1% | $3,866+490.1% | $4,764+378.9% |
| Participant deferral / active EE | $11,441 | $5,868+95.0% | $4,937+131.7% | $5,851+95.5% |
| Admin fee / account holder | $3,496 | $13,437-74.0% | $9,704-64.0% | $11,599-69.9% |