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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 | $305,090 | $166,268+83.5% | $165,100+84.8% | $145,897+109.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 10.62% | 100.52%-89.9pp | 70.21%-59.6pp | 552.29%-541.7pp |
| Employer contribution / active EE | $1,704 | $5,284-67.8% | $4,348-60.8% | $4,663-63.5% |
| Participant deferral / active EE | $13,805 | $6,964+98.2% | $6,035+128.7% | $6,689+106.4% |
| Admin fee / account holder | $1,746 | $16,659-89.5% | $12,696-86.2% | $13,390-87.0% |