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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 | $669,767 | $176,120+280.3% | $159,487+319.9% | $167,553+299.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 16.32% | 331.95%-315.6pp | 263.71%-247.4pp | 478.89%-462.6pp |
| Employer contribution / active EE | $12,888 | $5,299+143.2% | $4,831+166.8% | $4,840+166.3% |
| Participant deferral / active EE | $4,238 | $7,752-45.3% | $7,354-42.4% | $6,343-33.2% |
| Admin fee / account holder | $21,345 | $12,561+69.9% | $10,804+97.6% | $12,316+73.3% |