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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 | $445,348 | $166,268+167.8% | $165,100+169.7% | $145,897+205.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 10.45% | 100.52%-90.1pp | 70.21%-59.8pp | 552.29%-541.8pp |
| Employer contribution / active EE | $17,463 | $5,284+230.5% | $4,348+301.6% | $4,663+274.5% |
| Participant deferral / active EE | $11,278 | $6,964+61.9% | $6,035+86.9% | $6,689+68.6% |
| Admin fee / account holder | $1,970 | $16,659-88.2% | $12,696-84.5% | $13,390-85.3% |