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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 | $713,709 | $176,688+303.9% | $130,660+446.2% | $152,909+366.8% |
| Participation rate | 100.0% | 79.0%+21.0pp | 71.7%+28.3pp | 82.5%+17.5pp |
| Annual return | 8.43% | 2693.08%-2684.7pp | 1709.29%-1700.9pp | 345.46%-337.0pp |
| Employer contribution / active EE | $37,000 | $5,743+544.3% | $4,092+804.2% | $4,764+676.7% |
| Participant deferral / active EE | $25,000 | $4,362+473.1% | $3,603+593.9% | $5,851+327.3% |
| Admin fee / account holder | $993 | $7,131-86.1% | $5,463-81.8% | $11,601-91.4% |