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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 | $979,528 | $100,203+877.5% | $85,240+1049.1% | $145,897+571.4% |
| Participation rate | 80.0% | 74.1%+5.9pp | 67.5%+12.5pp | 80.3%-0.3pp |
| Annual return | 12.87% | 84.28%-71.4pp | 66.75%-53.9pp | 552.29%-539.4pp |
| Employer contribution / active EE | $5,516 | $3,242+70.1% | $2,735+101.7% | $4,663+18.3% |
| Participant deferral / active EE | $18,942 | $5,299+257.5% | $4,527+318.4% | $6,689+183.2% |
| Admin fee / account holder | $4,448 | $7,265-38.8% | $6,165-27.9% | $13,390-66.8% |