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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 | $496,333 | $165,399+200.1% | $149,745+231.5% | $158,982+212.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 9.55% | 348.34%-338.8pp | 276.72%-267.2pp | 302.99%-293.4pp |
| Employer contribution / active EE | $12,944 | $5,105+153.6% | $4,646+178.6% | $4,763+171.8% |
| Participant deferral / active EE | $13,578 | $7,183+89.0% | $6,843+98.4% | $5,983+126.9% |
| Admin fee / account holder | $16,508 | $10,811+52.7% | $9,312+77.3% | $11,252+46.7% |