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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 | $1,061,938 | $171,492+519.2% | $150,734+604.5% | $198,609+434.7% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 13.38% | 804.70%-791.3pp | 600.81%-587.4pp | 202.70%-189.3pp |
| Employer contribution / active EE | $0 | $5,470-100.0% | $4,918-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $9,167 | $6,259+46.5% | $5,610+63.4% | $6,977+31.4% |
| Admin fee / account holder | $8,642 | $17,628-51.0% | $14,905-42.0% | $19,030-54.6% |