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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 | $619,256 | $109,372+466.2% | $89,414+592.6% | $158,966+289.6% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 10.67% | 345.55%-334.9pp | 245.50%-234.8pp | 302.95%-292.3pp |
| Employer contribution / active EE | $21,422 | $3,171+575.5% | $2,586+728.2% | $4,762+349.8% |
| Participant deferral / active EE | $14,114 | $4,598+206.9% | $3,890+262.8% | $5,983+135.9% |
| Admin fee / account holder | $13,088 | $6,156+112.6% | $4,883+168.0% | $11,250+16.3% |