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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 | $167,030+92.6% | $135,768+137.0% | $155,188+107.3% |
| Participation rate | 100.0% | 76.2%+23.8pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 10.21% | 678.39%-668.2pp | 526.10%-515.9pp | 148.84%-138.6pp |
| Employer contribution / active EE | $1,625 | $4,132-60.7% | $3,394-52.1% | $4,248-61.7% |
| Participant deferral / active EE | $12,138 | $4,528+168.1% | $3,977+205.2% | $6,531+85.9% |
| Admin fee / account holder | $13,119 | $8,172+60.5% | $7,048+86.1% | $14,480-9.4% |