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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 | $385,403 | $100,139+284.9% | $85,187+352.4% | $145,884+164.2% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 10.89% | 84.15%-73.3pp | 66.67%-55.8pp | 551.85%-541.0pp |
| Employer contribution / active EE | $20,976 | $3,238+547.8% | $2,732+667.7% | $4,662+349.9% |
| Participant deferral / active EE | $17,724 | $5,296+234.7% | $4,525+291.7% | $6,690+164.9% |
| Admin fee / account holder | $2,840 | $7,262-60.9% | $6,162-53.9% | $13,392-78.8% |