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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 | $721,589 | $185,312+289.4% | $161,489+346.8% | $154,746+366.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 16.98% | 103.84%-86.9pp | 89.72%-72.7pp | 172.34%-155.4pp |
| Employer contribution / active EE | $11,675 | $4,769+144.8% | $4,268+173.5% | $4,379+166.6% |
| Participant deferral / active EE | $14,993 | $6,350+136.1% | $5,630+166.3% | $6,730+122.8% |
| Admin fee / account holder | $5,508 | $18,654-70.5% | $16,006-65.6% | $14,365-61.7% |