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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 | $531,257 | $157,296+237.7% | $141,191+276.3% | $152,897+247.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 22.91% | 64.34%-41.4pp | 71.41%-48.5pp | 345.43%-322.5pp |
| Employer contribution / active EE | $6,964 | $5,262+32.3% | $4,736+47.0% | $4,764+46.2% |
| Participant deferral / active EE | $10,400 | $7,111+46.3% | $6,710+55.0% | $5,851+77.8% |
| Admin fee / account holder | $2,445 | $12,125-79.8% | $10,264-76.2% | $11,599-78.9% |