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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 | $560,017 | $217,432+157.6% | $185,851+201.3% | $167,553+234.2% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 18.15% | 148.43%-130.3pp | 122.11%-104.0pp | 478.89%-460.7pp |
| Employer contribution / active EE | $12,528 | $5,874+113.3% | $5,168+142.4% | $4,840+158.9% |
| Participant deferral / active EE | $6,007 | $6,357-5.5% | $5,569+7.9% | $6,343-5.3% |
| Admin fee / account holder | $697 | $19,820-96.5% | $16,245-95.7% | $12,316-94.3% |