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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 | $337,912 | $154,209+119.1% | $130,062+159.8% | $139,487+142.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 10.36% | 32.52%-22.2pp | -137.37%+147.7pp | 373.84%-363.5pp |
| Employer contribution / active EE | $12,524 | $5,292+136.6% | $4,322+189.8% | $4,755+163.4% |
| Participant deferral / active EE | $13,434 | $6,709+100.2% | $5,821+130.8% | $6,713+100.1% |
| Admin fee / account holder | $6,457 | $13,988-53.8% | $10,601-39.1% | $11,407-43.4% |