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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 | $329,273 | $125,237+162.9% | $105,608+211.8% | $145,877+125.7% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 16.28% | 225.76%-209.5pp | 116.50%-100.2pp | 551.28%-535.0pp |
| Employer contribution / active EE | $8,860 | $3,720+138.2% | $3,167+179.8% | $4,663+90.0% |
| Participant deferral / active EE | $7,521 | $5,711+31.7% | $5,010+50.1% | $6,691+12.4% |
| Admin fee / account holder | $2,419 | $17,287-86.0% | $11,028-78.1% | $13,402-82.0% |