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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 | $862,574 | $125,190+589.0% | $105,624+716.6% | $145,897+491.2% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 23.81% | 225.22%-201.4pp | 116.20%-92.4pp | 552.29%-528.5pp |
| Employer contribution / active EE | $19,931 | $3,720+435.7% | $3,168+529.2% | $4,663+327.5% |
| Participant deferral / active EE | $12,668 | $5,716+121.6% | $5,013+152.7% | $6,689+89.4% |
| Admin fee / account holder | $5,512 | $17,138-67.8% | $10,961-49.7% | $13,390-58.8% |