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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 | $117,829+583.1% | $102,423+685.9% | $145,877+451.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 20.39% | 31.83%-11.4pp | 29.42%-9.0pp | 551.28%-530.9pp |
| Employer contribution / active EE | $39,550 | $3,615+994.2% | $3,023+1208.3% | $4,663+748.2% |
| Participant deferral / active EE | $13,467 | $5,732+134.9% | $5,054+166.4% | $6,691+101.3% |
| Admin fee / account holder | $2,075 | $13,335-84.4% | $9,455-78.1% | $13,402-84.5% |