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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 | $517,606 | $157,296+229.1% | $141,191+266.6% | $152,897+238.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 21.70% | 64.34%-42.6pp | 71.41%-49.7pp | 345.43%-323.7pp |
| Employer contribution / active EE | $26,975 | $5,262+412.6% | $4,736+469.6% | $4,764+466.3% |
| Participant deferral / active EE | $15,873 | $7,111+123.2% | $6,710+136.6% | $5,851+171.3% |
| Admin fee / account holder | $33,094 | $12,125+172.9% | $10,264+222.4% | $11,599+185.3% |