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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 | $724,651 | $178,174+306.7% | $156,181+364.0% | $137,256+428.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 19.30% | 84.19%-64.9pp | 64.87%-45.6pp | 220.34%-201.0pp |
| Employer contribution / active EE | $11,892 | $4,972+139.2% | $4,294+177.0% | $4,156+186.1% |
| Participant deferral / active EE | $23,805 | $6,888+245.6% | $6,132+288.2% | $6,407+271.6% |
| Admin fee / account holder | $3,577 | $17,404-79.4% | $14,586-75.5% | $12,270-70.8% |