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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 | $623,007 | $217,432+186.5% | $185,851+235.2% | $167,553+271.8% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 19.46% | 148.43%-129.0pp | 122.11%-102.6pp | 478.89%-459.4pp |
| Employer contribution / active EE | $16,925 | $5,874+188.1% | $5,168+227.5% | $4,840+249.7% |
| Participant deferral / active EE | $12,060 | $6,357+89.7% | $5,569+116.6% | $6,343+90.1% |
| Admin fee / account holder | $4,067 | $19,820-79.5% | $16,245-75.0% | $12,316-67.0% |