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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 | $541,394 | $175,259+208.9% | $149,723+261.6% | $139,487+288.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.45% | 166.82%-151.4pp | 134.50%-119.0pp | 373.84%-358.4pp |
| Employer contribution / active EE | $11,290 | $5,478+106.1% | $4,821+134.2% | $4,755+137.4% |
| Participant deferral / active EE | $12,304 | $6,522+88.7% | $5,682+116.5% | $6,713+83.3% |
| Admin fee / account holder | $27,790 | $16,158+72.0% | $13,215+110.3% | $11,407+143.6% |