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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 | $690,559 | $165,399+317.5% | $149,745+361.2% | $158,982+334.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 9.32% | 348.34%-339.0pp | 276.72%-267.4pp | 302.99%-293.7pp |
| Employer contribution / active EE | $28,909 | $5,105+466.3% | $4,646+522.3% | $4,763+507.0% |
| Participant deferral / active EE | $4,668 | $7,183-35.0% | $6,843-31.8% | $5,983-22.0% |
| Admin fee / account holder | $4,118 | $10,811-61.9% | $9,312-55.8% | $11,252-63.4% |