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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 | $474,884 | $125,237+279.2% | $105,608+349.7% | $145,877+225.5% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 31.64% | 225.76%-194.1pp | 116.50%-84.9pp | 551.28%-519.6pp |
| Employer contribution / active EE | $2,072 | $3,720-44.3% | $3,167-34.6% | $4,663-55.6% |
| Participant deferral / active EE | $8,266 | $5,711+44.7% | $5,010+65.0% | $6,691+23.5% |
| Admin fee / account holder | $3,471 | $17,287-79.9% | $11,028-68.5% | $13,402-74.1% |