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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 | $516,261 | $183,539+181.3% | $155,556+231.9% | $145,897+253.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 10.82% | 61.31%-50.5pp | 64.84%-54.0pp | 552.29%-541.5pp |
| Employer contribution / active EE | $5,150 | $5,315-3.1% | $4,675+10.1% | $4,663+10.4% |
| Participant deferral / active EE | $8,986 | $6,467+39.0% | $5,631+59.6% | $6,689+34.3% |
| Admin fee / account holder | $3,233 | $19,275-83.2% | $15,885-79.7% | $13,390-75.9% |