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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 | $774,429 | $102,638+654.5% | $81,982+844.6% | $158,982+387.1% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.3%+30.7pp | 82.0%+18.0pp |
| Annual return | 36.69% | 61.05%-24.4pp | 41.31%-4.6pp | 302.99%-266.3pp |
| Employer contribution / active EE | $15,663 | $3,241+383.3% | $2,498+526.9% | $4,763+228.9% |
| Participant deferral / active EE | $15,167 | $4,649+226.2% | $3,722+307.4% | $5,983+153.5% |
| Admin fee / account holder | $2,549 | $8,237-69.1% | $5,665-55.0% | $11,252-77.3% |