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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 | $681,148 | $176,105+286.8% | $159,474+327.1% | $167,536+306.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 15.51% | 331.91%-316.4pp | 263.68%-248.2pp | 478.82%-463.3pp |
| Employer contribution / active EE | $2,307 | $5,299-56.5% | $4,831-52.3% | $4,839-52.3% |
| Participant deferral / active EE | $21,371 | $7,751+175.7% | $7,353+190.6% | $6,342+237.0% |
| Admin fee / account holder | $89,193 | $12,559+610.2% | $10,802+725.7% | $12,315+624.3% |