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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 | $547,854 | $175,259+212.6% | $149,723+265.9% | $139,487+292.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.90% | 166.82%-150.9pp | 134.50%-118.6pp | 373.84%-357.9pp |
| Employer contribution / active EE | $28,758 | $5,478+424.9% | $4,821+496.5% | $4,755+504.8% |
| Participant deferral / active EE | $15,567 | $6,522+138.7% | $5,682+173.9% | $6,713+131.9% |
| Admin fee / account holder | $4,364 | $16,158-73.0% | $13,215-67.0% | $11,407-61.7% |