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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 | $608,698 | $109,908+453.8% | $97,161+526.5% | $145,978+317.0% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 142.72% | 243.80%-101.1pp | 75.36%+67.4pp | 550.52%-407.8pp |
| Employer contribution / active EE | $479 | $3,077-84.4% | $2,723-82.4% | $4,662-89.7% |
| Participant deferral / active EE | $8,418 | $4,679+79.9% | $4,265+97.4% | $6,690+25.8% |
| Admin fee / account holder | $4,735 | $6,213-23.8% | $5,647-16.2% | $13,400-64.7% |