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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 | $822,253 | $183,539+348.0% | $155,556+428.6% | $145,897+463.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 24.22% | 61.31%-37.1pp | 64.84%-40.6pp | 552.29%-528.1pp |
| Employer contribution / active EE | $7,080 | $5,315+33.2% | $4,675+51.4% | $4,663+51.8% |
| Participant deferral / active EE | $9,532 | $6,467+47.4% | $5,631+69.3% | $6,689+42.5% |
| Admin fee / account holder | $5,373 | $19,275-72.1% | $15,885-66.2% | $13,390-59.9% |