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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 | $504,429 | $176,105+186.4% | $159,474+216.3% | $167,536+201.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.69% | 331.91%-317.2pp | 263.68%-249.0pp | 478.82%-464.1pp |
| Employer contribution / active EE | $2,315 | $5,299-56.3% | $4,831-52.1% | $4,839-52.2% |
| Participant deferral / active EE | $14,157 | $7,751+82.6% | $7,353+92.5% | $6,342+123.2% |
| Admin fee / account holder | $2,038 | $12,559-83.8% | $10,802-81.1% | $12,315-83.5% |