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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 | $306,620 | $67,823+352.1% | $52,425+484.9% | $137,256+123.4% |
| Participation rate | 100.0% | 63.9%+36.1pp | 55.6%+44.4pp | 80.0%+20.0pp |
| Annual return | 19.94% | 219.11%-199.2pp | 302.12%-282.2pp | 220.34%-200.4pp |
| Employer contribution / active EE | $7,753 | $1,163+566.7% | $914+748.1% | $4,156+86.6% |
| Participant deferral / active EE | $5,943 | $2,288+159.7% | $1,790+231.9% | $6,407-7.2% |
| Admin fee / account holder | $4,700 | $2,844+65.2% | $2,495+88.4% | $12,270-61.7% |