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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 | $517,812 | $149,040+247.4% | $120,225+330.7% | $137,256+277.3% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 16.25% | 605.68%-589.4pp | 439.23%-423.0pp | 220.34%-204.1pp |
| Employer contribution / active EE | $27,929 | $4,350+542.0% | $3,475+703.6% | $4,156+572.0% |
| Participant deferral / active EE | $16,992 | $4,655+265.0% | $3,999+324.9% | $6,407+165.2% |
| Admin fee / account holder | $4,284 | $6,348-32.5% | $5,696-24.8% | $12,270-65.1% |