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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 | $497,758 | $166,268+199.4% | $165,100+201.5% | $145,897+241.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 12.29% | 100.52%-88.2pp | 70.21%-57.9pp | 552.29%-540.0pp |
| Employer contribution / active EE | $55,361 | $5,284+947.7% | $4,348+1173.2% | $4,663+1087.3% |
| Participant deferral / active EE | $9,992 | $6,964+43.5% | $6,035+65.6% | $6,689+49.4% |
| Admin fee / account holder | $60,592 | $16,659+263.7% | $12,696+377.3% | $13,390+352.5% |