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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 | $462,286 | $76,368+505.3% | $67,681+583.0% | $154,746+198.7% |
| Participation rate | 100.0% | 79.0%+21.0pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 18.92% | 1066.77%-1047.9pp | 590.58%-571.7pp | 172.34%-153.4pp |
| Employer contribution / active EE | $26,000 | $3,151+725.0% | $2,678+870.8% | $4,379+493.7% |
| Participant deferral / active EE | $26,000 | $4,824+439.0% | $3,976+554.0% | $6,730+286.3% |
| Admin fee / account holder | $1,734 | $8,559-79.7% | $6,100-71.6% | $14,365-87.9% |