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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 | $770,618 | $97,125+693.4% | $86,233+793.6% | $137,256+461.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 14.52% | 74.19%-59.7pp | 61.39%-46.9pp | 220.34%-205.8pp |
| Employer contribution / active EE | $12,223 | $2,841+330.2% | $2,504+388.1% | $4,156+194.1% |
| Participant deferral / active EE | $23,387 | $5,180+351.5% | $4,559+413.0% | $6,407+265.0% |
| Admin fee / account holder | $15,740 | $9,725+61.9% | $8,342+88.7% | $12,270+28.3% |