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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 | $628,430 | $96,643+550.3% | $86,617+625.5% | $139,456+350.6% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 18.77% | 106.57%-87.8pp | 591.91%-573.1pp | 373.45%-354.7pp |
| Employer contribution / active EE | $12,219 | $3,264+274.3% | $3,023+304.1% | $4,753+157.1% |
| Participant deferral / active EE | $13,077 | $4,835+170.5% | $4,437+194.7% | $6,711+94.8% |
| Admin fee / account holder | $6,466 | $6,406+0.9% | $5,613+15.2% | $11,407-43.3% |