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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 | $478,035 | $96,508+395.3% | $75,901+529.8% | $152,897+212.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 24.76% | 33.99%-9.2pp | 30.76%-6.0pp | 345.43%-320.7pp |
| Employer contribution / active EE | $18,525 | $3,310+459.7% | $2,501+640.8% | $4,764+288.9% |
| Participant deferral / active EE | $24,674 | $4,554+441.9% | $3,603+584.8% | $5,851+321.7% |
| Admin fee / account holder | $36,939 | $8,081+357.1% | $5,420+581.5% | $11,599+218.5% |