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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 | $780,277 | $210,698+270.3% | $178,014+338.3% | $145,959+434.6% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 11.94% | 386.27%-374.3pp | 294.80%-282.9pp | 561.95%-550.0pp |
| Employer contribution / active EE | $14,340 | $4,567+214.0% | $3,950+263.0% | $4,661+207.7% |
| Participant deferral / active EE | $7,625 | $6,958+9.6% | $6,276+21.5% | $6,689+14.0% |
| Admin fee / account holder | $2,241 | $12,016-81.3% | $10,362-78.4% | $13,398-83.3% |