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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 | $706,288 | $176,402+300.4% | $134,162+426.4% | $158,982+344.3% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 4.10% | 63.66%-59.6pp | 36.35%-32.2pp | 302.99%-298.9pp |
| Employer contribution / active EE | $27,159 | $5,042+438.6% | $3,705+633.0% | $4,763+470.2% |
| Participant deferral / active EE | $13,000 | $4,093+217.6% | $3,500+271.5% | $5,983+117.3% |
| Admin fee / account holder | $6,335 | $8,719-27.3% | $6,685-5.2% | $11,252-43.7% |