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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 | $732,068 | $177,353+312.8% | $158,226+362.7% | $198,609+268.6% |
| Participation rate | 100.0% | 77.0%+23.0pp | 74.8%+25.2pp | 82.4%+17.6pp |
| Annual return | 11.38% | 599.50%-588.1pp | 501.41%-490.0pp | 202.70%-191.3pp |
| Employer contribution / active EE | $2,594 | $3,239-19.9% | $2,986-13.1% | $5,055-48.7% |
| Participant deferral / active EE | $3,333 | $4,615-27.8% | $4,317-22.8% | $6,977-52.2% |
| Admin fee / account holder | $5,538 | $10,960-49.5% | $10,217-45.8% | $19,030-70.9% |