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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 | $632,675 | $183,592+244.6% | $155,574+306.7% | $145,877+333.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 21.39% | 61.37%-40.0pp | 64.87%-43.5pp | 551.28%-529.9pp |
| Employer contribution / active EE | $8,284 | $5,317+55.8% | $4,676+77.2% | $4,663+77.7% |
| Participant deferral / active EE | $12,135 | $6,466+87.7% | $5,629+115.6% | $6,691+81.4% |
| Admin fee / account holder | $17,524 | $19,316-9.3% | $15,914+10.1% | $13,402+30.8% |