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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 | $844,839 | $208,088+306.0% | $186,193+353.7% | $154,746+446.0% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 17.51% | 89.97%-72.5pp | 78.03%-60.5pp | 172.34%-154.8pp |
| Employer contribution / active EE | $46,500 | $4,340+971.5% | $3,918+1086.8% | $4,379+961.9% |
| Participant deferral / active EE | $27,232 | $7,078+284.7% | $6,513+318.1% | $6,730+304.6% |
| Admin fee / account holder | $11,879 | $11,698+1.5% | $11,058+7.4% | $14,365-17.3% |