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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 | $635,904 | $183,978+245.6% | $162,171+292.1% | $152,885+315.9% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 26.39% | 150.78%-124.4pp | 115.60%-89.2pp | 345.39%-319.0pp |
| Employer contribution / active EE | $20,930 | $6,370+228.6% | $5,613+272.9% | $4,763+339.4% |
| Participant deferral / active EE | $20,000 | $8,033+149.0% | $7,297+174.1% | $5,851+241.8% |
| Admin fee / account holder | $2,154 | $13,122-83.6% | $10,843-80.1% | $11,598-81.4% |