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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 | $413,359 | $165,399+149.9% | $149,745+176.0% | $158,982+160.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.25% | 348.34%-333.1pp | 276.72%-261.5pp | 302.99%-287.7pp |
| Employer contribution / active EE | $17,612 | $5,105+245.0% | $4,646+279.1% | $4,763+269.8% |
| Participant deferral / active EE | $10,950 | $7,183+52.4% | $6,843+60.0% | $5,983+83.0% |
| Admin fee / account holder | $1,639 | $10,811-84.8% | $9,312-82.4% | $11,252-85.4% |