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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 | $554,879 | $157,304+252.7% | $141,197+293.0% | $152,909+262.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.26% | 64.34%-45.1pp | 71.41%-52.1pp | 345.46%-326.2pp |
| Employer contribution / active EE | $35,875 | $5,263+581.7% | $4,736+657.5% | $4,764+653.1% |
| Participant deferral / active EE | $25,000 | $7,111+251.6% | $6,710+272.6% | $5,851+327.3% |
| Admin fee / account holder | $3,164 | $12,126-73.9% | $10,265-69.2% | $11,601-72.7% |