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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 | $392,969 | $144,130+172.6% | $117,861+233.4% | $147,586+166.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 15.56% | 531.20%-515.6pp | 335.11%-319.5pp | 578.59%-563.0pp |
| Employer contribution / active EE | $19,842 | $4,897+305.2% | $3,786+424.0% | $4,876+306.9% |
| Participant deferral / active EE | $14,784 | $5,316+178.1% | $4,482+229.8% | $5,439+171.8% |
| Admin fee / account holder | $3,279 | $10,887-69.9% | $8,021-59.1% | $10,886-69.9% |