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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 | $496,195 | $157,304+215.4% | $141,197+251.4% | $152,909+224.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 22.85% | 64.34%-41.5pp | 71.41%-48.6pp | 345.46%-322.6pp |
| Employer contribution / active EE | $6,775 | $5,263+28.7% | $4,736+43.1% | $4,764+42.2% |
| Participant deferral / active EE | $15,074 | $7,111+112.0% | $6,710+124.6% | $5,851+157.6% |
| Admin fee / account holder | $2,248 | $12,126-81.5% | $10,265-78.1% | $11,601-80.6% |