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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 | $829,295 | $157,304+427.2% | $141,197+487.3% | $152,909+442.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 25.60% | 64.34%-38.7pp | 71.41%-45.8pp | 345.46%-319.9pp |
| Employer contribution / active EE | $20,891 | $5,263+297.0% | $4,736+341.1% | $4,764+338.5% |
| Participant deferral / active EE | $18,598 | $7,111+161.5% | $6,710+177.2% | $5,851+217.8% |
| Admin fee / account holder | $4,779 | $12,126-60.6% | $10,265-53.4% | $11,601-58.8% |