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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 | $513,244 | $166,131+208.9% | $164,975+211.1% | $145,877+251.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 12.57% | 100.37%-87.8pp | 70.12%-57.6pp | 551.28%-538.7pp |
| Employer contribution / active EE | $14,380 | $5,276+172.6% | $4,343+231.1% | $4,663+208.4% |
| Participant deferral / active EE | $15,468 | $6,962+122.2% | $6,033+156.4% | $6,691+131.2% |
| Admin fee / account holder | $7,446 | $16,648-55.3% | $12,688-41.3% | $13,402-44.4% |