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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 | $544,573 | $157,304+246.2% | $141,197+285.7% | $152,909+256.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 23.27% | 64.34%-41.1pp | 71.41%-48.1pp | 345.46%-322.2pp |
| Employer contribution / active EE | $26,296 | $5,263+399.7% | $4,736+455.2% | $4,764+452.0% |
| Participant deferral / active EE | $23,500 | $7,111+230.5% | $6,710+250.2% | $5,851+301.6% |
| Admin fee / account holder | $3,367 | $12,126-72.2% | $10,265-67.2% | $11,601-71.0% |