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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 | $505,183 | $209,874+140.7% | $189,537+166.5% | $167,536+201.5% |
| Participation rate | 71.4% | 88.7%-17.2pp | 87.8%-16.4pp | 82.1%-10.7pp |
| Annual return | 21.20% | 748.61%-727.4pp | 555.34%-534.1pp | 478.82%-457.6pp |
| Employer contribution / active EE | $12,608 | $6,913+82.4% | $6,161+104.6% | $4,839+160.5% |
| Participant deferral / active EE | $10,783 | $8,934+20.7% | $8,220+31.2% | $6,342+70.0% |
| Admin fee / account holder | $23,831 | $14,299+66.7% | $12,048+97.8% | $12,315+93.5% |