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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 | $634,589 | $162,812+289.8% | $133,971+373.7% | $158,966+299.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 20.81% | 41.94%-21.1pp | 45.09%-24.3pp | 302.95%-282.1pp |
| Employer contribution / active EE | $16,937 | $4,976+240.4% | $3,919+332.2% | $4,762+255.6% |
| Participant deferral / active EE | $12,750 | $5,910+115.7% | $5,047+152.6% | $5,983+113.1% |
| Admin fee / account holder | $21,657 | $11,741+84.5% | $8,929+142.5% | $11,250+92.5% |