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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 | $475,204 | $102,638+363.0% | $81,982+479.6% | $158,982+198.9% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.3%+30.7pp | 82.0%+18.0pp |
| Annual return | 10.48% | 61.05%-50.6pp | 41.31%-30.8pp | 302.99%-292.5pp |
| Employer contribution / active EE | $10,667 | $3,241+229.1% | $2,498+326.9% | $4,763+124.0% |
| Participant deferral / active EE | $20,920 | $4,649+350.0% | $3,722+462.0% | $5,983+249.6% |
| Admin fee / account holder | $594 | $8,237-92.8% | $5,665-89.5% | $11,252-94.7% |