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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 | $688,725 | $180,749+281.0% | $160,784+328.4% | $137,256+401.8% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 17.08% | 2234.46%-2217.4pp | 1803.92%-1786.8pp | 220.34%-203.3pp |
| Employer contribution / active EE | $5,512 | $4,155+32.6% | $3,733+47.7% | $4,156+32.6% |
| Participant deferral / active EE | $23,372 | $6,844+241.5% | $6,293+271.4% | $6,407+264.8% |
| Admin fee / account holder | $1,535 | $10,397-85.2% | $9,717-84.2% | $12,270-87.5% |