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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 | $479,806 | $210,698+127.7% | $178,014+169.5% | $145,959+228.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 19.50% | 386.27%-366.8pp | 294.80%-275.3pp | 561.95%-542.5pp |
| Employer contribution / active EE | $2,803 | $4,567-38.6% | $3,950-29.0% | $4,661-39.9% |
| Participant deferral / active EE | $21,417 | $6,958+207.8% | $6,276+241.2% | $6,689+220.2% |
| Admin fee / account holder | $1,749 | $12,016-85.4% | $10,362-83.1% | $13,398-86.9% |