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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 | $630,602 | $166,020+279.8% | $164,866+282.5% | $145,959+332.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 12.58% | 100.08%-87.5pp | 69.97%-57.4pp | 561.95%-549.4pp |
| Employer contribution / active EE | $7,122 | $5,275+35.0% | $4,343+64.0% | $4,661+52.8% |
| Participant deferral / active EE | $26,750 | $6,961+284.3% | $6,033+343.4% | $6,689+299.9% |
| Admin fee / account holder | $5,098 | $16,644-69.4% | $12,689-59.8% | $13,398-62.0% |