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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 | $615,607 | $149,040+313.0% | $120,225+412.0% | $137,256+348.5% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 19.93% | 605.68%-585.8pp | 439.23%-419.3pp | 220.34%-200.4pp |
| Employer contribution / active EE | $14,231 | $4,350+227.1% | $3,475+309.5% | $4,156+242.4% |
| Participant deferral / active EE | $11,973 | $4,655+157.2% | $3,999+199.4% | $6,407+86.9% |
| Admin fee / account holder | $3,755 | $6,348-40.8% | $5,696-34.1% | $12,270-69.4% |