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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 | $595,315 | $172,111+245.9% | $150,298+296.1% | $137,256+333.7% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 15.01% | 69.37%-54.4pp | 62.79%-47.8pp | 220.34%-205.3pp |
| Employer contribution / active EE | $5,746 | $4,636+23.9% | $4,154+38.3% | $4,156+38.2% |
| Participant deferral / active EE | $26,177 | $6,166+324.6% | $5,453+380.1% | $6,407+308.6% |
| Admin fee / account holder | $1,090 | $16,471-93.4% | $14,116-92.3% | $12,270-91.1% |