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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 | $502,084 | $125,190+301.1% | $105,624+375.3% | $145,897+244.1% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 23.42% | 225.22%-201.8pp | 116.20%-92.8pp | 552.29%-528.9pp |
| Employer contribution / active EE | $13,972 | $3,720+275.6% | $3,168+341.1% | $4,663+199.7% |
| Participant deferral / active EE | $9,979 | $5,716+74.6% | $5,013+99.1% | $6,689+49.2% |
| Admin fee / account holder | $8,328 | $17,138-51.4% | $10,961-24.0% | $13,390-37.8% |