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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 | $734,213 | $156,398+369.5% | $147,318+398.4% | $138,895+428.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 19.42% | 78.75%-59.3pp | 70.43%-51.0pp | 145.39%-126.0pp |
| Employer contribution / active EE | $10,962 | $4,853+125.9% | $4,593+138.7% | $4,194+161.4% |
| Participant deferral / active EE | $4,014 | $8,237-51.3% | $7,906-49.2% | $6,396-37.2% |
| Admin fee / account holder | $28,887 | $14,976+92.9% | $13,708+110.7% | $12,562+130.0% |