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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 | $565,868 | $210,698+168.6% | $178,014+217.9% | $145,959+287.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 14.04% | 386.27%-372.2pp | 294.80%-280.8pp | 561.95%-547.9pp |
| Employer contribution / active EE | $8,876 | $4,567+94.4% | $3,950+124.7% | $4,661+90.4% |
| Participant deferral / active EE | $18,357 | $6,958+163.8% | $6,276+192.5% | $6,689+174.5% |
| Admin fee / account holder | $159,707 | $12,016+1229.1% | $10,362+1441.3% | $13,398+1092.0% |