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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 | $620,910 | $172,111+260.8% | $150,298+313.1% | $137,256+352.4% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 14.64% | 69.37%-54.7pp | 62.79%-48.1pp | 220.34%-205.7pp |
| Employer contribution / active EE | $32,459 | $4,636+600.1% | $4,154+681.4% | $4,156+681.0% |
| Participant deferral / active EE | $22,417 | $6,166+263.6% | $5,453+311.1% | $6,407+249.9% |
| Admin fee / account holder | $2,337 | $16,471-85.8% | $14,116-83.4% | $12,270-81.0% |