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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 | $311,755 | $118,875+162.3% | $96,572+222.8% | $167,553+86.1% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.8%+30.2pp | 82.1%+17.9pp |
| Annual return | 17.87% | 50.50%-32.6pp | 37.79%-19.9pp | 478.89%-461.0pp |
| Employer contribution / active EE | $12,507 | $3,121+300.7% | $2,357+430.6% | $4,840+158.4% |
| Participant deferral / active EE | $6,538 | $4,617+41.6% | $3,850+69.8% | $6,343+3.1% |
| Admin fee / account holder | $1,668 | $8,070-79.3% | $6,183-73.0% | $12,316-86.5% |