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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 | $605,978 | $201,372+200.9% | $184,260+228.9% | $145,884+315.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 17.41% | 29.04%-11.6pp | 28.84%-11.4pp | 551.85%-534.4pp |
| Employer contribution / active EE | $11,853 | $7,024+68.8% | $6,427+84.4% | $4,662+154.2% |
| Participant deferral / active EE | $15,014 | $9,808+53.1% | $9,133+64.4% | $6,690+124.4% |
| Admin fee / account holder | $25,008 | $16,362+52.8% | $13,898+79.9% | $13,392+86.7% |