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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 | $711,237 | $185,312+283.8% | $161,489+340.4% | $154,746+359.6% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 15.00% | 103.84%-88.8pp | 89.72%-74.7pp | 172.34%-157.3pp |
| Employer contribution / active EE | $8,124 | $4,769+70.3% | $4,268+90.3% | $4,379+85.5% |
| Participant deferral / active EE | $9,000 | $6,350+41.7% | $5,630+59.9% | $6,730+33.7% |
| Admin fee / account holder | $42,914 | $18,654+130.0% | $16,006+168.1% | $14,365+198.7% |