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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 | $572,852 | $111,535+413.6% | $105,223+444.4% | $137,256+317.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.67% | 237.85%-222.2pp | 180.65%-165.0pp | 220.34%-204.7pp |
| Employer contribution / active EE | $5,522 | $3,939+40.2% | $3,689+49.7% | $4,156+32.9% |
| Participant deferral / active EE | $7,626 | $5,500+38.7% | $5,072+50.4% | $6,407+19.0% |
| Admin fee / account holder | $26,917 | $9,721+176.9% | $8,859+203.8% | $12,270+119.4% |