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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 | $506,199 | $108,922+364.7% | $100,398+404.2% | $145,978+246.8% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 16.36% | 58.04%-41.7pp | 49.32%-33.0pp | 550.52%-534.2pp |
| Employer contribution / active EE | $46,000 | $4,426+939.4% | $3,946+1065.8% | $4,662+886.7% |
| Participant deferral / active EE | $26,750 | $8,450+216.6% | $8,084+230.9% | $6,690+299.9% |
| Admin fee / account holder | $5,855 | $9,680-39.5% | $7,893-25.8% | $13,400-56.3% |