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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 | $650,307 | $125,190+419.5% | $105,624+515.7% | $145,897+345.7% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 12.68% | 225.22%-212.5pp | 116.20%-103.5pp | 552.29%-539.6pp |
| Employer contribution / active EE | $3,063 | $3,720-17.7% | $3,168-3.3% | $4,663-34.3% |
| Participant deferral / active EE | $7,261 | $5,716+27.0% | $5,013+44.9% | $6,689+8.6% |
| Admin fee / account holder | $2,667 | $17,138-84.4% | $10,961-75.7% | $13,390-80.1% |