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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 | $635,762 | $185,312+243.1% | $161,489+293.7% | $154,746+310.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 15.04% | 103.84%-88.8pp | 89.72%-74.7pp | 172.34%-157.3pp |
| Employer contribution / active EE | $67,250 | $4,769+1310.1% | $4,268+1475.6% | $4,379+1435.7% |
| Participant deferral / active EE | $17,438 | $6,350+174.6% | $5,630+209.7% | $6,730+159.1% |
| Admin fee / account holder | $8,905 | $18,654-52.3% | $16,006-44.4% | $14,365-38.0% |