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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 | $556,941 | $148,629+274.7% | $135,982+309.6% | $139,487+299.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 18.17% | 79.33%-61.2pp | 68.32%-50.2pp | 373.84%-355.7pp |
| Employer contribution / active EE | $23,317 | $5,247+344.4% | $4,859+379.9% | $4,755+390.4% |
| Participant deferral / active EE | $29,552 | $8,102+264.7% | $7,760+280.8% | $6,713+340.2% |
| Admin fee / account holder | $5,816 | $12,406-53.1% | $10,767-46.0% | $11,407-49.0% |