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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 | $804,944 | $117,895+582.8% | $102,460+685.6% | $145,897+451.7% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 20.39% | 31.92%-11.5pp | 29.47%-9.1pp | 552.29%-531.9pp |
| Employer contribution / active EE | $39,550 | $3,619+992.9% | $3,025+1207.4% | $4,663+748.2% |
| Participant deferral / active EE | $13,467 | $5,736+134.8% | $5,056+166.3% | $6,689+101.3% |
| Admin fee / account holder | $2,075 | $13,353-84.5% | $9,460-78.1% | $13,390-84.5% |