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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 | $695,808 | $112,729+517.2% | $98,716+604.9% | $137,256+406.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 18.31% | 38.48%-20.2pp | 31.81%-13.5pp | 220.34%-202.0pp |
| Employer contribution / active EE | $22,852 | $2,725+738.5% | $2,279+902.9% | $4,156+449.9% |
| Participant deferral / active EE | $19,752 | $4,640+325.7% | $4,048+388.0% | $6,407+208.3% |
| Admin fee / account holder | $52,865 | $10,129+421.9% | $8,703+507.4% | $12,270+330.8% |