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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 | $719,467 | $176,105+308.5% | $159,474+351.2% | $167,536+329.4% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.24% | 331.91%-318.7pp | 263.68%-250.4pp | 478.82%-465.6pp |
| Employer contribution / active EE | $7,082 | $5,299+33.6% | $4,831+46.6% | $4,839+46.3% |
| Participant deferral / active EE | $19,999 | $7,751+158.0% | $7,353+172.0% | $6,342+215.3% |
| Admin fee / account holder | $3,345 | $12,559-73.4% | $10,802-69.0% | $12,315-72.8% |