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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 | $454,251 | $88,778+411.7% | $81,844+455.0% | $145,884+211.4% |
| Participation rate | 90.9% | 75.1%+15.8pp | 72.4%+18.5pp | 80.3%+10.6pp |
| Annual return | 11.54% | 1033.03%-1021.5pp | 778.87%-767.3pp | 551.85%-540.3pp |
| Employer contribution / active EE | $17,318 | $3,087+461.0% | $2,916+493.8% | $4,662+271.4% |
| Participant deferral / active EE | $15,071 | $4,648+224.2% | $4,323+248.6% | $6,690+125.3% |
| Admin fee / account holder | $4,786 | $8,430-43.2% | $7,355-34.9% | $13,392-64.3% |