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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 | $634,813 | $185,905+241.5% | $170,057+273.3% | $139,487+355.1% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 24.13% | 60.56%-36.4pp | 53.42%-29.3pp | 373.84%-349.7pp |
| Employer contribution / active EE | $18,227 | $7,597+139.9% | $6,790+168.4% | $4,755+283.4% |
| Participant deferral / active EE | $11,669 | $11,627+0.4% | $10,411+12.1% | $6,713+73.8% |
| Admin fee / account holder | $5,010 | $15,397-67.5% | $12,826-60.9% | $11,407-56.1% |