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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 | $752,527 | $165,399+355.0% | $149,745+402.5% | $158,982+373.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.38% | 348.34%-337.0pp | 276.72%-265.3pp | 302.99%-291.6pp |
| Employer contribution / active EE | $2,416 | $5,105-52.7% | $4,646-48.0% | $4,763-49.3% |
| Participant deferral / active EE | $14,730 | $7,183+105.1% | $6,843+115.3% | $5,983+146.2% |
| Admin fee / account holder | $13,216 | $10,811+22.2% | $9,312+41.9% | $11,252+17.5% |