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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 | $801,899 | $175,259+357.6% | $149,723+435.6% | $139,487+474.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 11.70% | 166.82%-155.1pp | 134.50%-122.8pp | 373.84%-362.1pp |
| Employer contribution / active EE | $5,149 | $5,478-6.0% | $4,821+6.8% | $4,755+8.3% |
| Participant deferral / active EE | $16,155 | $6,522+147.7% | $5,682+184.3% | $6,713+140.7% |
| Admin fee / account holder | $4,966 | $16,158-69.3% | $13,215-62.4% | $11,407-56.5% |