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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 | $296,866 | $88,754+234.5% | $81,820+262.8% | $145,877+103.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 16.74% | 1031.77%-1015.0pp | 777.93%-761.2pp | 551.28%-534.5pp |
| Employer contribution / active EE | $2,739 | $3,085-11.2% | $2,915-6.0% | $4,663-41.3% |
| Participant deferral / active EE | $960 | $4,648-79.3% | $4,323-77.8% | $6,691-85.7% |
| Admin fee / account holder | $14,077 | $8,424+67.1% | $7,391+90.5% | $13,402+5.0% |