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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 | $561,853 | $108,882+416.0% | $96,754+480.7% | $154,746+263.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 13.86% | 98.39%-84.5pp | 82.04%-68.2pp | 172.34%-158.5pp |
| Employer contribution / active EE | $28,640 | $3,018+848.9% | $2,679+969.0% | $4,379+554.0% |
| Participant deferral / active EE | $23,120 | $5,323+334.4% | $4,758+385.9% | $6,730+243.5% |
| Admin fee / account holder | $6,659 | $10,200-34.7% | $8,905-25.2% | $14,365-53.6% |