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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 | $792,368 | $110,093+619.7% | $97,295+714.4% | $145,897+443.1% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 15.06% | 244.76%-229.7pp | 75.62%-60.6pp | 552.29%-537.2pp |
| Employer contribution / active EE | $821 | $3,077-73.3% | $2,723-69.8% | $4,663-82.4% |
| Participant deferral / active EE | $950 | $4,678-79.7% | $4,264-77.7% | $6,689-85.8% |
| Admin fee / account holder | $12,330 | $6,212+98.5% | $5,646+118.4% | $13,390-7.9% |