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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 | $696,494 | $217,432+220.3% | $185,849+274.8% | $167,536+315.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 25.62% | 148.42%-122.8pp | 122.10%-96.5pp | 478.82%-453.2pp |
| Employer contribution / active EE | $19,820 | $5,875+237.4% | $5,169+283.5% | $4,839+309.6% |
| Participant deferral / active EE | $13,477 | $6,357+112.0% | $5,569+142.0% | $6,342+112.5% |
| Admin fee / account holder | $486 | $19,818-97.5% | $16,244-97.0% | $12,315-96.1% |