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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 | $810,395 | $185,883+336.0% | $170,043+376.6% | $139,466+481.1% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 19.94% | 60.54%-40.6pp | 53.40%-33.5pp | 373.66%-353.7pp |
| Employer contribution / active EE | $26,215 | $7,596+245.1% | $6,790+286.1% | $4,754+451.4% |
| Participant deferral / active EE | $22,688 | $11,626+95.2% | $10,410+117.9% | $6,712+238.0% |
| Admin fee / account holder | $523 | $15,393-96.6% | $12,824-95.9% | $11,409-95.4% |