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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 | $347,829 | $155,555+123.6% | $146,866+136.8% | $155,188+124.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 21.72% | 115.41%-93.7pp | 102.85%-81.1pp | 148.84%-127.1pp |
| Employer contribution / active EE | $37,500 | $4,647+707.0% | $4,425+747.5% | $4,248+782.8% |
| Participant deferral / active EE | $22,500 | $8,044+179.7% | $7,759+190.0% | $6,531+244.5% |
| Admin fee / account holder | $492 | $14,755-96.7% | $13,620-96.4% | $14,480-96.6% |