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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 | $523,405 | $175,259+198.6% | $149,723+249.6% | $139,487+275.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 12.15% | 166.82%-154.7pp | 134.50%-122.3pp | 373.84%-361.7pp |
| Employer contribution / active EE | $9,977 | $5,478+82.1% | $4,821+106.9% | $4,755+109.8% |
| Participant deferral / active EE | $14,508 | $6,522+122.5% | $5,682+155.3% | $6,713+116.1% |
| Admin fee / account holder | $15,672 | $16,158-3.0% | $13,215+18.6% | $11,407+37.4% |