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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 | $509,357 | $96,691+426.8% | $86,656+487.8% | $139,487+265.2% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 18.19% | 106.87%-88.7pp | 593.09%-574.9pp | 373.84%-355.6pp |
| Employer contribution / active EE | $3,516 | $3,267+7.6% | $3,025+16.2% | $4,755-26.0% |
| Participant deferral / active EE | $9,236 | $4,838+90.9% | $4,439+108.1% | $6,713+37.6% |
| Admin fee / account holder | $2,786 | $6,414-56.6% | $5,619-50.4% | $11,407-75.6% |