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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 | $486,708 | $88,710+448.7% | $81,783+495.1% | $145,959+233.5% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 21.58% | 1027.26%-1005.7pp | 775.05%-753.5pp | 561.95%-540.4pp |
| Employer contribution / active EE | $19,263 | $3,083+524.8% | $2,913+561.4% | $4,661+313.3% |
| Participant deferral / active EE | $14,131 | $4,645+204.2% | $4,320+227.1% | $6,689+111.3% |
| Admin fee / account holder | $1,275 | $8,407-84.8% | $7,380-82.7% | $13,398-90.5% |