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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 | $649,423 | $227,399+185.6% | $189,758+242.2% | $198,609+227.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 15.39% | 61.03%-45.6pp | 52.62%-37.2pp | 202.70%-187.3pp |
| Employer contribution / active EE | $11,381 | $5,526+105.9% | $4,767+138.8% | $5,055+125.1% |
| Participant deferral / active EE | $6,397 | $6,837-6.4% | $5,856+9.2% | $6,977-8.3% |
| Admin fee / account holder | $50,000 | $25,162+98.7% | $20,388+145.2% | $19,030+162.7% |