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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 | $483,854 | $201,344+140.3% | $184,243+162.6% | $145,877+231.7% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 18.05% | 29.01%-11.0pp | 28.82%-10.8pp | 551.28%-533.2pp |
| Employer contribution / active EE | $22,385 | $7,022+218.8% | $6,427+248.3% | $4,663+380.1% |
| Participant deferral / active EE | $19,052 | $9,807+94.3% | $9,132+108.6% | $6,691+184.8% |
| Admin fee / account holder | $78,973 | $16,382+382.1% | $13,914+467.6% | $13,402+489.3% |