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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 | $623,027 | $165,939+275.5% | $122,354+409.2% | $147,586+322.1% |
| Participation rate | 100.0% | 79.6%+20.4pp | 71.6%+28.4pp | 82.8%+17.2pp |
| Annual return | 15.86% | 34.56%-18.7pp | 30.28%-14.4pp | 578.59%-562.7pp |
| Employer contribution / active EE | $19,264 | $5,754+234.8% | $4,051+375.6% | $4,876+295.1% |
| Participant deferral / active EE | $16,950 | $4,005+323.2% | $3,287+415.6% | $5,439+211.7% |
| Admin fee / account holder | $9,124 | $7,425+22.9% | $5,479+66.5% | $10,886-16.2% |