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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 | $776,668 | $157,296+393.8% | $141,191+450.1% | $152,897+408.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 16.39% | 64.34%-47.9pp | 71.41%-55.0pp | 345.43%-329.0pp |
| Employer contribution / active EE | $16,806 | $5,262+219.4% | $4,736+254.8% | $4,764+252.8% |
| Participant deferral / active EE | $6,450 | $7,111-9.3% | $6,710-3.9% | $5,851+10.2% |
| Admin fee / account holder | $19,809 | $12,125+63.4% | $10,264+93.0% | $11,599+70.8% |