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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 | $548,379 | $165,399+231.5% | $149,745+266.2% | $158,982+244.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 13.04% | 348.34%-335.3pp | 276.72%-263.7pp | 302.99%-289.9pp |
| Employer contribution / active EE | $21,404 | $5,105+319.3% | $4,646+360.7% | $4,763+349.4% |
| Participant deferral / active EE | $18,393 | $7,183+156.1% | $6,843+168.8% | $5,983+207.4% |
| Admin fee / account holder | $1,187 | $10,811-89.0% | $9,312-87.3% | $11,252-89.4% |