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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 | $787,381 | $157,304+400.5% | $141,197+457.6% | $152,909+414.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.61% | 64.34%-44.7pp | 71.41%-51.8pp | 345.46%-325.9pp |
| Employer contribution / active EE | $10,117 | $5,263+92.3% | $4,736+113.6% | $4,764+112.4% |
| Participant deferral / active EE | $4,875 | $7,111-31.4% | $6,710-27.3% | $5,851-16.7% |
| Admin fee / account holder | $28,375 | $12,126+134.0% | $10,265+176.4% | $11,601+144.6% |