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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 | $753,375 | $176,105+327.8% | $159,474+372.4% | $167,536+349.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.99% | 331.91%-318.9pp | 263.68%-250.7pp | 478.82%-465.8pp |
| Employer contribution / active EE | $16,144 | $5,299+204.7% | $4,831+234.2% | $4,839+233.6% |
| Participant deferral / active EE | $15,038 | $7,751+94.0% | $7,353+104.5% | $6,342+137.1% |
| Admin fee / account holder | $24,097 | $12,559+91.9% | $10,802+123.1% | $12,315+95.7% |