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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 | $949,419 | $172,111+451.6% | $150,298+531.7% | $137,256+591.7% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 13.50% | 69.37%-55.9pp | 62.79%-49.3pp | 220.34%-206.8pp |
| Employer contribution / active EE | $23,068 | $4,636+397.6% | $4,154+455.3% | $4,156+455.1% |
| Participant deferral / active EE | $11,793 | $6,166+91.3% | $5,453+116.3% | $6,407+84.1% |
| Admin fee / account holder | $51,360 | $16,471+211.8% | $14,116+263.8% | $12,270+318.6% |