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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 | $632,984 | $148,623+325.9% | $135,974+365.5% | $139,466+353.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 18.05% | 79.30%-61.2pp | 68.30%-50.2pp | 373.66%-355.6pp |
| Employer contribution / active EE | $7,849 | $5,246+49.6% | $4,859+61.5% | $4,754+65.1% |
| Participant deferral / active EE | $3,602 | $8,103-55.5% | $7,760-53.6% | $6,712-46.3% |
| Admin fee / account holder | $42,961 | $12,406+246.3% | $10,767+299.0% | $11,409+276.6% |