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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 | $522,592 | $110,093+374.7% | $97,295+437.1% | $145,897+258.2% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 27.74% | 244.76%-217.0pp | 75.62%-47.9pp | 552.29%-524.6pp |
| Employer contribution / active EE | $469 | $3,077-84.8% | $2,723-82.8% | $4,663-89.9% |
| Participant deferral / active EE | $1,000 | $4,678-78.6% | $4,264-76.5% | $6,689-85.1% |
| Admin fee / account holder | $65,974 | $6,212+962.0% | $5,646+1068.4% | $13,390+392.7% |