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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 | $321,730 | $162,529+98.0% | $130,788+146.0% | $154,746+107.9% |
| Participation rate | 100.0% | 75.9%+24.1pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 10.21% | 510.48%-500.3pp | 386.44%-376.2pp | 172.34%-162.1pp |
| Employer contribution / active EE | $1,625 | $4,447-63.5% | $3,558-54.3% | $4,379-62.9% |
| Participant deferral / active EE | $12,138 | $4,808+152.4% | $4,137+193.4% | $6,730+80.4% |
| Admin fee / account holder | $13,119 | $7,669+71.1% | $6,673+96.6% | $14,365-8.7% |