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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 | $449,705 | $165,399+171.9% | $149,745+200.3% | $158,982+182.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.00% | 348.34%-333.3pp | 276.72%-261.7pp | 302.99%-288.0pp |
| Employer contribution / active EE | $13,440 | $5,105+163.3% | $4,646+189.3% | $4,763+182.2% |
| Participant deferral / active EE | $21,861 | $7,183+204.4% | $6,843+219.5% | $5,983+265.4% |
| Admin fee / account holder | $2,492 | $10,811-76.9% | $9,312-73.2% | $11,252-77.9% |