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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 | $899,152 | $162,529+453.2% | $130,788+587.5% | $154,746+481.1% |
| Participation rate | 100.0% | 75.9%+24.1pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 10.18% | 510.48%-500.3pp | 386.44%-376.3pp | 172.34%-162.2pp |
| Employer contribution / active EE | $33,131 | $4,447+645.0% | $3,558+831.2% | $4,379+656.6% |
| Participant deferral / active EE | $15,667 | $4,808+225.8% | $4,137+278.7% | $6,730+132.8% |
| Admin fee / account holder | $8,037 | $7,669+4.8% | $6,673+20.4% | $14,365-44.1% |