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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 | $681,146 | $157,296+333.0% | $141,191+382.4% | $152,897+345.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.17% | 64.34%-46.2pp | 71.41%-53.2pp | 345.43%-327.3pp |
| Employer contribution / active EE | $11,173 | $5,262+112.3% | $4,736+135.9% | $4,764+134.6% |
| Participant deferral / active EE | $25,000 | $7,111+251.6% | $6,710+272.6% | $5,851+327.3% |
| Admin fee / account holder | $119,145 | $12,125+882.7% | $10,264+1060.8% | $11,599+927.2% |