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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 | $935,009 | $227,566+310.9% | $189,558+393.3% | $167,518+458.2% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.5%+21.5pp | 82.1%+17.9pp |
| Annual return | 13.02% | 78.43%-65.4pp | 64.19%-51.2pp | 478.71%-465.7pp |
| Employer contribution / active EE | $32,092 | $5,316+503.7% | $4,412+627.4% | $4,838+563.3% |
| Participant deferral / active EE | $19,500 | $7,002+178.5% | $6,174+215.9% | $6,342+207.5% |
| Admin fee / account holder | $17,790 | $11,881+49.7% | $9,809+81.4% | $12,312+44.5% |