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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 | $887,128 | $172,111+415.4% | $150,298+490.2% | $137,256+546.3% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 20.90% | 69.37%-48.5pp | 62.79%-41.9pp | 220.34%-199.4pp |
| Employer contribution / active EE | $10,788 | $4,636+132.7% | $4,154+159.7% | $4,156+159.6% |
| Participant deferral / active EE | $11,456 | $6,166+85.8% | $5,453+110.1% | $6,407+78.8% |
| Admin fee / account holder | $31,258 | $16,471+89.8% | $14,116+121.4% | $12,270+154.8% |