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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 | $904,397 | $209,336+332.0% | $197,124+358.8% | $137,256+558.9% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 16.43% | 48.09%-31.7pp | 44.34%-27.9pp | 220.34%-203.9pp |
| Employer contribution / active EE | $18,632 | $6,591+182.7% | $6,227+199.2% | $4,156+348.3% |
| Participant deferral / active EE | $25,981 | $9,614+170.2% | $9,135+184.4% | $6,407+305.5% |
| Admin fee / account holder | $27,864 | $17,308+61.0% | $16,298+71.0% | $12,270+127.1% |