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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 | $471,495 | $202,342+133.0% | $172,752+172.9% | $152,897+208.4% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 17.09% | 1029.83%-1012.7pp | 802.97%-785.9pp | 345.43%-328.3pp |
| Employer contribution / active EE | $1,998 | $5,858-65.9% | $5,144-61.2% | $4,764-58.1% |
| Participant deferral / active EE | $11,925 | $5,948+100.5% | $5,198+129.4% | $5,851+103.8% |
| Admin fee / account holder | $19,607 | $17,111+14.6% | $13,955+40.5% | $11,599+69.0% |