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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 | $867,814 | $176,402+392.0% | $134,162+546.8% | $158,982+445.9% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 12.58% | 63.66%-51.1pp | 36.35%-23.8pp | 302.99%-290.4pp |
| Employer contribution / active EE | $42,500 | $5,042+742.9% | $3,705+1047.1% | $4,763+792.3% |
| Participant deferral / active EE | $17,750 | $4,093+333.7% | $3,500+407.2% | $5,983+196.7% |
| Admin fee / account holder | $1,855 | $8,719-78.7% | $6,685-72.2% | $11,252-83.5% |