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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 | $975,006 | $139,948+596.7% | $121,663+701.4% | $154,746+530.1% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 12.37% | 230.52%-218.2pp | 147.54%-135.2pp | 172.34%-160.0pp |
| Employer contribution / active EE | $10,500 | $3,521+198.2% | $3,020+247.7% | $4,379+139.8% |
| Participant deferral / active EE | $31,000 | $5,629+450.7% | $4,887+534.3% | $6,730+360.6% |
| Admin fee / account holder | $3,960 | $17,321-77.1% | $14,289-72.3% | $14,365-72.4% |