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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 | $677,418 | $202,463+234.6% | $169,397+299.9% | $139,487+385.7% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 15.22% | 532.64%-517.4pp | 406.23%-391.0pp | 373.84%-358.6pp |
| Employer contribution / active EE | $13,678 | $4,694+191.4% | $4,013+240.8% | $4,755+187.7% |
| Participant deferral / active EE | $7,500 | $6,941+8.1% | $6,223+20.5% | $6,713+11.7% |
| Admin fee / account holder | $2,030 | $10,726-81.1% | $9,017-77.5% | $11,407-82.2% |