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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 | $526,120 | $90,530+481.2% | $76,030+592.0% | $145,897+260.6% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 15.47% | 625.08%-609.6pp | 361.54%-346.1pp | 552.29%-536.8pp |
| Employer contribution / active EE | $1,874 | $3,319-43.5% | $2,688-30.3% | $4,663-59.8% |
| Participant deferral / active EE | $6,116 | $5,164+18.4% | $4,257+43.7% | $6,689-8.6% |
| Admin fee / account holder | $20,434 | $8,383+143.7% | $6,421+218.3% | $13,390+52.6% |