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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 | $605,818 | $114,013+431.4% | $103,693+484.2% | $155,188+290.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 13.48% | 49.31%-35.8pp | 47.61%-34.1pp | 148.84%-135.4pp |
| Employer contribution / active EE | $7,905 | $3,131+152.4% | $2,920+170.7% | $4,248+86.1% |
| Participant deferral / active EE | $28,560 | $4,970+474.7% | $4,579+523.7% | $6,531+337.3% |
| Admin fee / account holder | $64,229 | $8,407+664.0% | $7,858+717.4% | $14,480+343.6% |