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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 | $725,170 | $165,361+338.5% | $149,715+384.4% | $158,950+356.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.23% | 348.24%-332.0pp | 276.66%-260.4pp | 302.91%-286.7pp |
| Employer contribution / active EE | $26,592 | $5,103+421.1% | $4,645+472.5% | $4,762+458.4% |
| Participant deferral / active EE | $17,200 | $7,182+139.5% | $6,842+151.4% | $5,983+187.5% |
| Admin fee / account holder | $3,355 | $10,808-69.0% | $9,310-64.0% | $11,248-70.2% |