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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 | $172,111+277.3% | $150,298+332.1% | $137,256+373.1% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 15.39% | 69.37%-54.0pp | 62.79%-47.4pp | 220.34%-205.0pp |
| Employer contribution / active EE | $11,381 | $4,636+145.5% | $4,154+174.0% | $4,156+173.8% |
| Participant deferral / active EE | $6,397 | $6,166+3.7% | $5,453+17.3% | $6,407-0.2% |
| Admin fee / account holder | $50,000 | $16,471+203.6% | $14,116+254.2% | $12,270+307.5% |