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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 | $556,900 | $154,228+261.1% | $145,433+282.9% | $137,256+305.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 33.37% | 74.59%-41.2pp | 66.58%-33.2pp | 220.34%-187.0pp |
| Employer contribution / active EE | $20,089 | $4,804+318.2% | $4,554+341.1% | $4,156+383.4% |
| Participant deferral / active EE | $12,000 | $8,216+46.0% | $7,897+51.9% | $6,407+87.3% |
| Admin fee / account holder | $591 | $14,344-95.9% | $13,129-95.5% | $12,270-95.2% |