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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 | $670,537 | $175,259+282.6% | $149,723+347.9% | $139,487+380.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 18.61% | 166.82%-148.2pp | 134.50%-115.9pp | 373.84%-355.2pp |
| Employer contribution / active EE | $11,292 | $5,478+106.1% | $4,821+134.2% | $4,755+137.5% |
| Participant deferral / active EE | $0 | $6,522-100.0% | $5,682-100.0% | $6,713-100.0% |
| Admin fee / account holder | $4,125 | $16,158-74.5% | $13,215-68.8% | $11,407-63.8% |