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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 | $626,006 | $88,815+604.8% | $81,882+664.5% | $145,897+329.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 18.50% | 1033.75%-1015.2pp | 779.47%-761.0pp | 552.29%-533.8pp |
| Employer contribution / active EE | $6,286 | $3,086+103.7% | $2,916+115.6% | $4,663+34.8% |
| Participant deferral / active EE | $16,124 | $4,647+247.0% | $4,323+273.0% | $6,689+141.0% |
| Admin fee / account holder | $6,258 | $8,434-25.8% | $7,360-15.0% | $13,390-53.3% |