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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 | $688,890 | $183,592+275.2% | $155,574+342.8% | $145,877+372.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 16.05% | 61.37%-45.3pp | 64.87%-48.8pp | 551.28%-535.2pp |
| Employer contribution / active EE | $12,257 | $5,317+130.5% | $4,676+162.1% | $4,663+162.9% |
| Participant deferral / active EE | $10,737 | $6,466+66.1% | $5,629+90.7% | $6,691+60.5% |
| Admin fee / account holder | $5,515 | $19,316-71.5% | $15,914-65.3% | $13,402-58.9% |