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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 | $484,634 | $209,874+130.9% | $189,537+155.7% | $167,536+189.3% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 22.90% | 748.61%-725.7pp | 555.34%-532.4pp | 478.82%-455.9pp |
| Employer contribution / active EE | $10,473 | $6,913+51.5% | $6,161+70.0% | $4,839+116.4% |
| Participant deferral / active EE | $17,603 | $8,934+97.0% | $8,220+114.1% | $6,342+177.5% |
| Admin fee / account holder | $306 | $14,299-97.9% | $12,048-97.5% | $12,315-97.5% |