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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 | $125,237+338.0% | $105,608+419.4% | $145,877+276.0% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 10.98% | 225.76%-214.8pp | 116.50%-105.5pp | 551.28%-540.3pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $10,832 | $5,711+89.7% | $5,010+116.2% | $6,691+61.9% |
| Admin fee / account holder | $76,679 | $17,287+343.6% | $11,028+595.3% | $13,402+472.1% |