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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 | $305,500 | $83,337+266.6% | $67,834+350.4% | $273,972+11.5% |
| Participation rate | 100.0% | 76.4%+23.6pp | 68.8%+31.2pp | 83.0%+17.0pp |
| Annual return | 5.27% | 259.45%-254.2pp | 138.47%-133.2pp | 41.46%-36.2pp |
| Employer contribution / active EE | $9,686 | $3,287+194.6% | $2,403+303.0% | $4,869+98.9% |
| Participant deferral / active EE | $14,914 | $4,088+264.8% | $3,160+372.0% | $5,287+182.1% |
| Admin fee / account holder | $1,024 | $6,752-84.8% | $4,622-77.9% | $10,133-89.9% |