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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 | $545,484 | $166,242+228.1% | $165,071+230.5% | $145,884+273.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 15.48% | 100.44%-85.0pp | 70.17%-54.7pp | 551.85%-536.4pp |
| Employer contribution / active EE | $26,493 | $5,283+401.5% | $4,347+509.4% | $4,662+468.2% |
| Participant deferral / active EE | $19,527 | $6,964+180.4% | $6,035+223.6% | $6,690+191.9% |
| Admin fee / account holder | $1,799 | $16,658-89.2% | $12,695-85.8% | $13,392-86.6% |