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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 | $673,110 | $100,262+571.4% | $81,370+727.2% | $145,897+361.4% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 12.82% | 34.52%-21.7pp | 24.85%-12.0pp | 552.29%-539.5pp |
| Employer contribution / active EE | $15,071 | $2,979+405.9% | $2,464+511.7% | $4,663+223.2% |
| Participant deferral / active EE | $15,382 | $4,612+233.5% | $3,885+295.9% | $6,689+129.9% |
| Admin fee / account holder | $19,316 | $8,163+136.6% | $5,749+236.0% | $13,390+44.3% |