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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 | $125,237+300.9% | $105,608+375.4% | $145,877+244.2% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 23.42% | 225.76%-202.3pp | 116.50%-93.1pp | 551.28%-527.9pp |
| Employer contribution / active EE | $13,972 | $3,720+275.5% | $3,167+341.2% | $4,663+199.6% |
| Participant deferral / active EE | $9,979 | $5,711+74.7% | $5,010+99.2% | $6,691+49.1% |
| Admin fee / account holder | $8,328 | $17,287-51.8% | $11,028-24.5% | $13,402-37.9% |