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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 | $571,134 | $109,967+419.4% | $97,197+487.6% | $145,877+291.5% |
| Participation rate | 100.0% | 76.0%+24.0pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 17.43% | 244.27%-226.8pp | 75.47%-58.0pp | 551.28%-533.9pp |
| Employer contribution / active EE | $1,589 | $3,077-48.4% | $2,723-41.6% | $4,663-65.9% |
| Participant deferral / active EE | $19,244 | $4,676+311.5% | $4,263+351.4% | $6,691+187.6% |
| Admin fee / account holder | $68,256 | $6,199+1001.1% | $5,637+1110.8% | $13,402+409.3% |