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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 | $487,371 | $81,696+496.6% | $70,494+591.4% | $158,982+206.6% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.1%+24.9pp | 82.0%+18.0pp |
| Annual return | 28.66% | 208.70%-180.0pp | 109.16%-80.5pp | 302.99%-274.3pp |
| Employer contribution / active EE | $10,689 | $3,220+232.0% | $2,738+290.4% | $4,763+124.4% |
| Participant deferral / active EE | $8,470 | $4,558+85.8% | $3,711+128.3% | $5,983+41.6% |
| Admin fee / account holder | $3,155 | $6,200-49.1% | $3,848-18.0% | $11,252-72.0% |