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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 | $786,570 | $148,623+429.2% | $135,974+478.5% | $139,466+464.0% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 13.92% | 79.30%-65.4pp | 68.30%-54.4pp | 373.66%-359.7pp |
| Employer contribution / active EE | $19,483 | $5,246+271.4% | $4,859+301.0% | $4,754+309.8% |
| Participant deferral / active EE | $15,085 | $8,103+86.2% | $7,760+94.4% | $6,712+124.7% |
| Admin fee / account holder | $77,858 | $12,406+527.6% | $10,767+623.1% | $11,409+582.4% |