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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 | $575,497 | $148,623+287.2% | $135,974+323.2% | $139,466+312.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 27.70% | 79.30%-51.6pp | 68.30%-40.6pp | 373.66%-346.0pp |
| Employer contribution / active EE | $19,821 | $5,246+277.8% | $4,859+307.9% | $4,754+316.9% |
| Participant deferral / active EE | $11,900 | $8,103+46.9% | $7,760+53.4% | $6,712+77.3% |
| Admin fee / account holder | $794 | $12,406-93.6% | $10,767-92.6% | $11,409-93.0% |