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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 | $593,613 | $217,427+173.0% | $185,837+219.4% | $167,518+254.4% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.49% | 148.39%-136.9pp | 122.08%-110.6pp | 478.71%-467.2pp |
| Employer contribution / active EE | $6,953 | $5,874+18.4% | $5,168+34.5% | $4,838+43.7% |
| Participant deferral / active EE | $10,648 | $6,357+67.5% | $5,568+91.2% | $6,342+67.9% |
| Admin fee / account holder | $18,129 | $19,816-8.5% | $16,241+11.6% | $12,312+47.2% |