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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 | $638,108 | $180,749+253.0% | $160,784+296.9% | $137,256+364.9% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 17.77% | 2234.46%-2216.7pp | 1803.92%-1786.2pp | 220.34%-202.6pp |
| Employer contribution / active EE | $8,598 | $4,155+106.9% | $3,733+130.3% | $4,156+106.9% |
| Participant deferral / active EE | $11,097 | $6,844+62.1% | $6,293+76.3% | $6,407+73.2% |
| Admin fee / account holder | $5,223 | $10,397-49.8% | $9,717-46.2% | $12,270-57.4% |