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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 | $557,031 | $111,535+399.4% | $105,223+429.4% | $137,256+305.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.94% | 237.85%-219.9pp | 180.65%-162.7pp | 220.34%-202.4pp |
| Employer contribution / active EE | $12,637 | $3,939+220.8% | $3,689+242.6% | $4,156+204.1% |
| Participant deferral / active EE | $11,044 | $5,500+100.8% | $5,072+117.7% | $6,407+72.4% |
| Admin fee / account holder | $2,699 | $9,721-72.2% | $8,859-69.5% | $12,270-78.0% |