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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 | $181,062+293.4% | $158,223+350.2% | $155,188+359.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 16.79% | 57.39%-40.6pp | 52.09%-35.3pp | 148.84%-132.0pp |
| Employer contribution / active EE | $10,669 | $4,565+133.7% | $4,109+159.7% | $4,248+151.2% |
| Participant deferral / active EE | $8,902 | $6,134+45.1% | $5,467+62.8% | $6,531+36.3% |
| Admin fee / account holder | $2,085 | $18,825-88.9% | $16,047-87.0% | $14,480-85.6% |