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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 | $701,428 | $149,040+370.6% | $120,225+483.4% | $137,256+411.0% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 10.65% | 605.68%-595.0pp | 439.23%-428.6pp | 220.34%-209.7pp |
| Employer contribution / active EE | $18,031 | $4,350+314.5% | $3,475+418.8% | $4,156+333.8% |
| Participant deferral / active EE | $19,333 | $4,655+315.4% | $3,999+383.5% | $6,407+201.8% |
| Admin fee / account holder | $2,949 | $6,348-53.5% | $5,696-48.2% | $12,270-76.0% |