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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 | $450,426 | $175,259+157.0% | $149,723+200.8% | $139,487+222.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 10.82% | 166.82%-156.0pp | 134.50%-123.7pp | 373.84%-363.0pp |
| Employer contribution / active EE | $13,545 | $5,478+147.3% | $4,821+180.9% | $4,755+184.9% |
| Participant deferral / active EE | $5,193 | $6,522-20.4% | $5,682-8.6% | $6,713-22.6% |
| Admin fee / account holder | $1,637 | $16,158-89.9% | $13,215-87.6% | $11,407-85.7% |