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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 | $717,211 | $134,817+432.0% | $123,973+478.5% | $155,188+362.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 19.74% | 515.49%-495.7pp | 388.13%-368.4pp | 148.84%-129.1pp |
| Employer contribution / active EE | $7,192 | $4,425+62.5% | $4,126+74.3% | $4,248+69.3% |
| Participant deferral / active EE | $18,706 | $5,706+227.8% | $5,247+256.5% | $6,531+186.4% |
| Admin fee / account holder | $764 | $13,245-94.2% | $11,799-93.5% | $14,480-94.7% |