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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 | $2,873,761 | $209,425+1272.2% | $178,499+1510.0% | $158,966+1707.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 29.09% | 188.80%-159.7pp | 151.10%-122.0pp | 302.95%-273.9pp |
| Employer contribution / active EE | $12,870 | $5,707+125.5% | $5,011+156.8% | $4,762+170.2% |
| Participant deferral / active EE | $4,333 | $5,955-27.2% | $5,202-16.7% | $5,983-27.6% |
| Admin fee / account holder | $91,391 | $17,078+435.1% | $13,986+553.4% | $11,250+712.4% |