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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 | $606,904 | $175,259+246.3% | $149,723+305.4% | $139,487+335.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 23.68% | 166.82%-143.1pp | 134.50%-110.8pp | 373.84%-350.2pp |
| Employer contribution / active EE | $2,628 | $5,478-52.0% | $4,821-45.5% | $4,755-44.7% |
| Participant deferral / active EE | $37,172 | $6,522+470.0% | $5,682+554.2% | $6,713+453.8% |
| Admin fee / account holder | $1,682 | $16,158-89.6% | $13,215-87.3% | $11,407-85.3% |