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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 | $682,938 | $175,259+289.7% | $149,723+356.1% | $139,487+389.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 18.70% | 166.82%-148.1pp | 134.50%-115.8pp | 373.84%-355.1pp |
| Employer contribution / active EE | $10,519 | $5,478+92.0% | $4,821+118.2% | $4,755+121.2% |
| Participant deferral / active EE | $15,275 | $6,522+134.2% | $5,682+168.8% | $6,713+127.6% |
| Admin fee / account holder | $2,898 | $16,158-82.1% | $13,215-78.1% | $11,407-74.6% |