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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 | $479,144 | $197,637+142.4% | $177,848+169.4% | $158,982+201.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 66.31% | 58.77%+7.5pp | 48.33%+18.0pp | 302.99%-236.7pp |
| Employer contribution / active EE | $12,917 | $6,698+92.8% | $5,919+118.2% | $4,763+171.2% |
| Participant deferral / active EE | $15,530 | $8,405+84.8% | $7,714+101.3% | $5,983+159.5% |
| Admin fee / account holder | $31,067 | $15,406+101.7% | $12,431+149.9% | $11,252+176.1% |