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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 | $539,952 | $117,433+359.8% | $99,475+442.8% | $152,897+253.1% |
| Participation rate | 100.0% | 77.5%+22.5pp | 73.8%+26.2pp | 82.5%+17.5pp |
| Annual return | 16.27% | 31.87%-15.6pp | 30.72%-14.5pp | 345.43%-329.2pp |
| Employer contribution / active EE | $25,402 | $3,013+743.0% | $2,540+900.1% | $4,764+433.3% |
| Participant deferral / active EE | $17,381 | $4,086+325.4% | $3,619+380.3% | $5,851+197.1% |
| Admin fee / account holder | $10,417 | $7,634+36.4% | $6,252+66.6% | $11,599-10.2% |