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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 | $124,980+456.7% | $108,359+542.1% | $154,746+349.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 18.31% | 45.00%-26.7pp | 36.89%-18.6pp | 172.34%-154.0pp |
| Employer contribution / active EE | $22,852 | $2,851+701.7% | $2,399+852.4% | $4,379+421.8% |
| Participant deferral / active EE | $19,752 | $4,743+316.5% | $4,137+377.5% | $6,730+193.5% |
| Admin fee / account holder | $52,865 | $11,502+359.6% | $9,741+442.7% | $14,365+268.0% |