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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 | $502,963 | $132,634+279.2% | $115,768+334.5% | $137,256+266.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 20.03% | 160.70%-140.7pp | 100.46%-80.4pp | 220.34%-200.3pp |
| Employer contribution / active EE | $7,423 | $3,360+120.9% | $2,940+152.5% | $4,156+78.6% |
| Participant deferral / active EE | $10,299 | $5,619+83.3% | $4,917+109.5% | $6,407+60.7% |
| Admin fee / account holder | $6,238 | $15,028-58.5% | $12,439-49.9% | $12,270-49.2% |