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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 | $520,177 | $157,276+230.7% | $141,177+268.5% | $152,885+240.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.46% | 64.33%-45.9pp | 71.40%-52.9pp | 345.39%-326.9pp |
| Employer contribution / active EE | $15,985 | $5,262+203.8% | $4,736+237.5% | $4,763+235.6% |
| Participant deferral / active EE | $11,643 | $7,110+63.8% | $6,710+73.5% | $5,851+99.0% |
| Admin fee / account holder | $1,143 | $12,123-90.6% | $10,263-88.9% | $11,598-90.1% |