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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 | $695,808 | $156,616+344.3% | $133,346+421.8% | $198,609+250.3% |
| Participation rate | 100.0% | 77.7%+22.3pp | 72.8%+27.2pp | 82.4%+17.6pp |
| Annual return | 18.31% | 44.25%-25.9pp | 36.85%-18.5pp | 202.70%-184.4pp |
| Employer contribution / active EE | $22,852 | $3,368+578.5% | $2,853+700.9% | $5,055+352.0% |
| Participant deferral / active EE | $19,752 | $4,920+301.5% | $4,332+355.9% | $6,977+183.1% |
| Admin fee / account holder | $52,865 | $17,468+202.6% | $14,264+270.6% | $19,030+177.8% |