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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 | $738,005 | $165,381+346.2% | $149,730+392.9% | $158,966+364.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.68% | 348.29%-329.6pp | 276.70%-258.0pp | 302.95%-284.3pp |
| Employer contribution / active EE | $11,374 | $5,104+122.8% | $4,645+144.9% | $4,762+138.8% |
| Participant deferral / active EE | $14,175 | $7,182+97.4% | $6,843+107.2% | $5,983+136.9% |
| Admin fee / account holder | $62,088 | $10,809+474.4% | $9,310+566.9% | $11,250+451.9% |