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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 | $181,062+292.8% | $158,223+349.5% | $155,188+358.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 15.00% | 57.39%-42.4pp | 52.09%-37.1pp | 148.84%-133.8pp |
| Employer contribution / active EE | $8,124 | $4,565+78.0% | $4,109+97.7% | $4,248+91.3% |
| Participant deferral / active EE | $9,000 | $6,134+46.7% | $5,467+64.6% | $6,531+37.8% |
| Admin fee / account holder | $42,914 | $18,825+128.0% | $16,047+167.4% | $14,480+196.4% |