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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 | $483,198 | $175,231+175.7% | $149,696+222.8% | $139,466+246.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.20% | 166.77%-150.6pp | 134.46%-118.3pp | 373.66%-357.5pp |
| Employer contribution / active EE | $19,312 | $5,478+252.5% | $4,821+300.6% | $4,754+306.2% |
| Participant deferral / active EE | $13,500 | $6,521+107.0% | $5,682+137.6% | $6,712+101.1% |
| Admin fee / account holder | $32,038 | $16,155+98.3% | $13,212+142.5% | $11,409+180.8% |