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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 | $518,065 | $165,381+213.3% | $149,730+246.0% | $158,966+225.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.52% | 348.29%-336.8pp | 276.70%-265.2pp | 302.95%-291.4pp |
| Employer contribution / active EE | $15,597 | $5,104+205.6% | $4,645+235.8% | $4,762+227.5% |
| Participant deferral / active EE | $17,293 | $7,182+140.8% | $6,843+152.7% | $5,983+189.0% |
| Admin fee / account holder | $3,763 | $10,809-65.2% | $9,310-59.6% | $11,250-66.6% |