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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 | $1,205,576 | $176,105+584.6% | $159,474+656.0% | $167,536+619.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 19.08% | 331.91%-312.8pp | 263.68%-244.6pp | 478.82%-459.7pp |
| Employer contribution / active EE | $27,679 | $5,299+422.3% | $4,831+473.0% | $4,839+472.0% |
| Participant deferral / active EE | $23,833 | $7,751+207.5% | $7,353+224.1% | $6,342+275.8% |
| Admin fee / account holder | $6,346 | $12,559-49.5% | $10,802-41.3% | $12,315-48.5% |