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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 | $877,885 | $176,786+396.6% | $146,643+498.7% | $167,536+424.0% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 11.24% | 24.04%-12.8pp | 22.75%-11.5pp | 478.82%-467.6pp |
| Employer contribution / active EE | $8,538 | $5,161+65.4% | $4,137+106.4% | $4,839+76.4% |
| Participant deferral / active EE | $17,414 | $6,440+170.4% | $5,506+216.3% | $6,342+174.6% |
| Admin fee / account holder | $123,902 | $13,262+834.3% | $10,280+1105.3% | $12,315+906.1% |