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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 | $556,585 | $183,516+203.3% | $155,534+257.9% | $145,884+281.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.90% | 61.43%-47.5pp | 64.92%-51.0pp | 551.85%-537.9pp |
| Employer contribution / active EE | $38,107 | $5,315+617.0% | $4,675+715.2% | $4,662+717.3% |
| Participant deferral / active EE | $16,357 | $6,467+152.9% | $5,630+190.5% | $6,690+144.5% |
| Admin fee / account holder | $799 | $19,293-95.9% | $15,900-95.0% | $13,392-94.0% |