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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 | $167,030+268.6% | $135,768+353.4% | $155,188+296.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 19.93% | 678.39%-658.5pp | 526.10%-506.2pp | 148.84%-128.9pp |
| Employer contribution / active EE | $14,231 | $4,132+244.4% | $3,394+319.3% | $4,248+235.0% |
| Participant deferral / active EE | $11,973 | $4,528+164.4% | $3,977+201.0% | $6,531+83.3% |
| Admin fee / account holder | $3,755 | $8,172-54.1% | $7,048-46.7% | $14,480-74.1% |