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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 | $418,075 | $202,463+106.5% | $169,397+146.8% | $139,487+199.7% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 30.61% | 532.64%-502.0pp | 406.23%-375.6pp | 373.84%-343.2pp |
| Employer contribution / active EE | $44,271 | $4,694+843.2% | $4,013+1003.2% | $4,755+831.1% |
| Participant deferral / active EE | $86,250 | $6,941+1142.6% | $6,223+1286.0% | $6,713+1184.9% |
| Admin fee / account holder | $95,195 | $10,726+787.5% | $9,017+955.7% | $11,407+734.5% |