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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 | $665,311 | $97,125+585.0% | $86,233+671.5% | $137,256+384.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 13.75% | 74.19%-60.4pp | 61.39%-47.6pp | 220.34%-206.6pp |
| Employer contribution / active EE | $10,749 | $2,841+278.3% | $2,504+329.2% | $4,156+158.6% |
| Participant deferral / active EE | $12,400 | $5,180+139.4% | $4,559+172.0% | $6,407+93.5% |
| Admin fee / account holder | $98,052 | $9,725+908.3% | $8,342+1075.4% | $12,270+699.1% |