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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 | $185,312+284.4% | $161,489+341.1% | $154,746+360.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 16.79% | 103.84%-87.1pp | 89.72%-72.9pp | 172.34%-155.5pp |
| Employer contribution / active EE | $10,669 | $4,769+123.7% | $4,268+150.0% | $4,379+143.6% |
| Participant deferral / active EE | $8,902 | $6,350+40.2% | $5,630+58.1% | $6,730+32.3% |
| Admin fee / account holder | $2,085 | $18,654-88.8% | $16,006-87.0% | $14,365-85.5% |