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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 | $688,725 | $225,673+205.2% | $203,872+237.8% | $155,188+343.8% |
| Participation rate | 100.0% | 80.3%+19.7pp | 77.8%+22.2pp | 80.8%+19.2pp |
| Annual return | 17.08% | 95.91%-78.8pp | 85.11%-68.0pp | 148.84%-131.8pp |
| Employer contribution / active EE | $5,512 | $4,099+34.5% | $3,757+46.7% | $4,248+29.8% |
| Participant deferral / active EE | $23,372 | $6,893+239.1% | $6,388+265.9% | $6,531+257.9% |
| Admin fee / account holder | $1,535 | $12,327-87.5% | $11,730-86.9% | $14,480-89.4% |