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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 | $181,062+390.0% | $158,223+460.7% | $155,188+471.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 20.90% | 57.39%-36.5pp | 52.09%-31.2pp | 148.84%-127.9pp |
| Employer contribution / active EE | $10,788 | $4,565+136.3% | $4,109+162.5% | $4,248+154.0% |
| Participant deferral / active EE | $11,456 | $6,134+86.7% | $5,467+109.5% | $6,531+75.4% |
| Admin fee / account holder | $31,258 | $18,825+66.0% | $16,047+94.8% | $14,480+115.9% |