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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 | $654,623 | $209,425+212.6% | $178,499+266.7% | $158,966+311.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 25.87% | 188.80%-162.9pp | 151.10%-125.2pp | 302.95%-277.1pp |
| Employer contribution / active EE | $7,553 | $5,707+32.3% | $5,011+50.7% | $4,762+58.6% |
| Participant deferral / active EE | $9,970 | $5,955+67.4% | $5,202+91.7% | $5,983+66.6% |
| Admin fee / account holder | $16,682 | $17,078-2.3% | $13,986+19.3% | $11,250+48.3% |