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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 | $910,146 | $183,988+394.7% | $162,177+461.2% | $152,897+495.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 24.90% | 150.79%-125.9pp | 115.60%-90.7pp | 345.43%-320.5pp |
| Employer contribution / active EE | $4,800 | $6,370-24.6% | $5,613-14.5% | $4,764+0.8% |
| Participant deferral / active EE | $12,500 | $8,032+55.6% | $7,297+71.3% | $5,851+113.6% |
| Admin fee / account holder | $600 | $13,123-95.4% | $10,843-94.5% | $11,599-94.8% |