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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 | $454,134 | $202,463+124.3% | $169,397+168.1% | $139,487+225.6% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 22.18% | 532.64%-510.5pp | 406.23%-384.1pp | 373.84%-351.7pp |
| Employer contribution / active EE | $5,497 | $4,694+17.1% | $4,013+37.0% | $4,755+15.6% |
| Participant deferral / active EE | $17,446 | $6,941+151.4% | $6,223+180.4% | $6,713+159.9% |
| Admin fee / account holder | $54,872 | $10,726+411.6% | $9,017+508.5% | $11,407+381.0% |