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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 | $759,846 | $121,701+524.4% | $104,639+626.2% | $158,982+377.9% |
| Participation rate | 100.0% | 77.5%+22.5pp | 74.1%+25.9pp | 82.0%+18.0pp |
| Annual return | 4.26% | 465.72%-461.5pp | 340.67%-336.4pp | 302.99%-298.7pp |
| Employer contribution / active EE | $28,470 | $3,165+799.4% | $2,682+961.6% | $4,763+497.7% |
| Participant deferral / active EE | $25,342 | $4,176+506.9% | $3,738+578.0% | $5,983+323.5% |
| Admin fee / account holder | $26,703 | $7,778+243.3% | $6,465+313.0% | $11,252+137.3% |