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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 | $166,020+209.1% | $164,866+211.3% | $145,959+251.6% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 12.57% | 100.08%-87.5pp | 69.97%-57.4pp | 561.95%-549.4pp |
| Employer contribution / active EE | $14,380 | $5,275+172.6% | $4,343+231.1% | $4,661+208.5% |
| Participant deferral / active EE | $15,468 | $6,961+122.2% | $6,033+156.4% | $6,689+131.3% |
| Admin fee / account holder | $7,446 | $16,644-55.3% | $12,689-41.3% | $13,398-44.4% |