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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 | $510,283 | $154,228+230.9% | $145,433+250.9% | $137,256+271.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 20.79% | 74.59%-53.8pp | 66.58%-45.8pp | 220.34%-199.6pp |
| Employer contribution / active EE | $36,355 | $4,804+656.8% | $4,554+698.2% | $4,156+774.8% |
| Participant deferral / active EE | $20,760 | $8,216+152.7% | $7,897+162.9% | $6,407+224.0% |
| Admin fee / account holder | $37,326 | $14,344+160.2% | $13,129+184.3% | $12,270+204.2% |