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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 | $712,371 | $174,379+308.5% | $152,093+368.4% | $138,895+412.9% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 16.79% | 74.86%-58.1pp | 66.36%-49.6pp | 145.39%-128.6pp |
| Employer contribution / active EE | $10,669 | $4,652+129.3% | $4,175+155.6% | $4,194+154.4% |
| Participant deferral / active EE | $8,902 | $6,159+44.5% | $5,451+63.3% | $6,396+39.2% |
| Admin fee / account holder | $2,085 | $16,880-87.6% | $14,497-85.6% | $12,562-83.4% |