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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 | $464,463 | $104,907+342.7% | $84,610+448.9% | $152,870+203.8% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.4%+17.6pp |
| Annual return | 19.08% | 373.79%-354.7pp | 258.74%-239.7pp | 345.34%-326.3pp |
| Employer contribution / active EE | $10,823 | $3,301+227.8% | $2,652+308.1% | $4,763+127.2% |
| Participant deferral / active EE | $16,406 | $4,688+250.0% | $3,899+320.8% | $5,850+180.4% |
| Admin fee / account holder | $2,255 | $6,241-63.9% | $4,912-54.1% | $11,597-80.6% |