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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 | $439,404 | $135,645+223.9% | $110,243+298.6% | $135,380+224.6% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | 8.19% | 513.24%-505.0pp | 314.76%-306.6pp | 519.81%-511.6pp |
| Employer contribution / active EE | $21,591 | $4,907+340.0% | $3,827+464.2% | $4,779+351.8% |
| Participant deferral / active EE | $14,542 | $5,507+164.1% | $4,672+211.2% | $5,609+159.3% |
| Admin fee / account holder | $567 | $11,458-95.0% | $8,548-93.4% | $10,828-94.8% |