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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 | $695,497 | $174,379+298.8% | $152,093+357.3% | $138,895+400.7% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 15.00% | 74.86%-59.9pp | 66.36%-51.4pp | 145.39%-130.4pp |
| Employer contribution / active EE | $10,561 | $4,652+127.0% | $4,175+153.0% | $4,194+151.8% |
| Participant deferral / active EE | $8,354 | $6,159+35.6% | $5,451+53.3% | $6,396+30.6% |
| Admin fee / account holder | $29,067 | $16,880+72.2% | $14,497+100.5% | $12,562+131.4% |