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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 | $605,818 | $70,366+761.0% | $66,674+808.6% | $138,895+336.2% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 13.48% | 386.41%-372.9pp | 321.24%-307.8pp | 145.39%-131.9pp |
| Employer contribution / active EE | $7,905 | $2,765+185.9% | $2,620+201.7% | $4,194+88.5% |
| Participant deferral / active EE | $28,560 | $4,374+552.9% | $4,084+599.3% | $6,396+346.5% |
| Admin fee / account holder | $64,229 | $5,262+1120.5% | $5,098+1159.9% | $12,562+411.3% |