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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 | $704,337 | $185,312+280.1% | $161,489+336.2% | $154,746+355.2% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 12.05% | 103.84%-91.8pp | 89.72%-77.7pp | 172.34%-160.3pp |
| Employer contribution / active EE | $41,762 | $4,769+775.7% | $4,268+878.4% | $4,379+853.7% |
| Participant deferral / active EE | $3,750 | $6,350-40.9% | $5,630-33.4% | $6,730-44.3% |
| Admin fee / account holder | $14,291 | $18,654-23.4% | $16,006-10.7% | $14,365-0.5% |