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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 | $764,513 | $275,752+177.2% | $256,809+197.7% | $198,609+284.9% |
| Participation rate | 100.0% | 89.2%+10.8pp | 88.5%+11.5pp | 82.4%+17.6pp |
| Annual return | 21.74% | 34.81%-13.1pp | 32.73%-11.0pp | 202.70%-181.0pp |
| Employer contribution / active EE | $8,750 | $7,721+13.3% | $7,263+20.5% | $5,055+73.1% |
| Participant deferral / active EE | $33,750 | $10,037+236.2% | $9,520+254.5% | $6,977+383.7% |
| Admin fee / account holder | $351 | $25,716-98.6% | $25,146-98.6% | $19,030-98.2% |