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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 | $536,723 | $180,749+196.9% | $160,784+233.8% | $137,256+291.0% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 17.99% | 2234.46%-2216.5pp | 1803.92%-1785.9pp | 220.34%-202.3pp |
| Employer contribution / active EE | $17,867 | $4,155+330.0% | $3,733+378.6% | $4,156+329.9% |
| Participant deferral / active EE | $18,474 | $6,844+169.9% | $6,293+193.6% | $6,407+188.4% |
| Admin fee / account holder | $5,054 | $10,397-51.4% | $9,717-48.0% | $12,270-58.8% |