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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 | $516,831 | $96,524+435.4% | $75,900+580.9% | $152,909+238.0% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 21.52% | 33.93%-12.4pp | 30.73%-9.2pp | 345.46%-323.9pp |
| Employer contribution / active EE | $14,993 | $3,311+352.9% | $2,501+499.5% | $4,764+214.7% |
| Participant deferral / active EE | $9,064 | $4,554+99.0% | $3,604+151.5% | $5,851+54.9% |
| Admin fee / account holder | $1,014 | $8,082-87.5% | $5,421-81.3% | $11,601-91.3% |