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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 | $600,680 | $117,829+409.8% | $102,423+486.5% | $145,877+311.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 23.22% | 31.83%-8.6pp | 29.42%-6.2pp | 551.28%-528.1pp |
| Employer contribution / active EE | $29,709 | $3,615+721.9% | $3,023+882.8% | $4,663+537.1% |
| Participant deferral / active EE | $14,248 | $5,732+148.5% | $5,054+181.9% | $6,691+113.0% |
| Admin fee / account holder | $17,975 | $13,335+34.8% | $9,455+90.1% | $13,402+34.1% |