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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 | $567,593 | $183,516+209.3% | $155,534+264.9% | $145,884+289.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.70% | 61.43%-51.7pp | 64.92%-55.2pp | 551.85%-542.2pp |
| Employer contribution / active EE | $16,175 | $5,315+204.3% | $4,675+246.0% | $4,662+246.9% |
| Participant deferral / active EE | $10,474 | $6,467+62.0% | $5,630+86.0% | $6,690+56.6% |
| Admin fee / account holder | $7,096 | $19,293-63.2% | $15,900-55.4% | $13,392-47.0% |