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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 | $548,482 | $125,190+338.1% | $105,624+419.3% | $145,897+275.9% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 10.98% | 225.22%-214.2pp | 116.20%-105.2pp | 552.29%-541.3pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,168-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $10,832 | $5,716+89.5% | $5,013+116.1% | $6,689+61.9% |
| Admin fee / account holder | $76,679 | $17,138+347.4% | $10,961+599.5% | $13,390+472.6% |