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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 | $360,659 | $90,397+299.0% | $76,002+374.5% | $145,959+147.1% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 14.27% | 621.97%-607.7pp | 360.07%-345.8pp | 561.95%-547.7pp |
| Employer contribution / active EE | $4,722 | $3,317+42.3% | $2,688+75.6% | $4,661+1.3% |
| Participant deferral / active EE | $19,149 | $5,163+270.9% | $4,257+349.9% | $6,689+186.3% |
| Admin fee / account holder | $20,899 | $8,369+149.7% | $6,414+225.9% | $13,398+56.0% |