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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 | $533,212 | $107,368+396.6% | $92,915+473.9% | $152,909+248.7% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 22.53% | 145.64%-123.1pp | 109.45%-86.9pp | 345.46%-322.9pp |
| Employer contribution / active EE | $9,119 | $4,222+116.0% | $3,653+149.6% | $4,764+91.4% |
| Participant deferral / active EE | $7,658 | $4,848+58.0% | $4,238+80.7% | $5,851+30.9% |
| Admin fee / account holder | $6,464 | $7,082-8.7% | $5,796+11.5% | $11,601-44.3% |