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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 | $555,736 | $165,399+236.0% | $149,745+271.1% | $158,982+249.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.18% | 348.34%-333.2pp | 276.72%-261.5pp | 302.99%-287.8pp |
| Employer contribution / active EE | $21,794 | $5,105+326.9% | $4,646+369.1% | $4,763+357.6% |
| Participant deferral / active EE | $18,250 | $7,183+154.1% | $6,843+166.7% | $5,983+205.0% |
| Admin fee / account holder | $3,401 | $10,811-68.5% | $9,312-63.5% | $11,252-69.8% |