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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 | $645,985 | $175,231+268.6% | $149,696+331.5% | $139,466+363.2% |
| Participation rate | 75.0% | 83.4%-8.4pp | 78.8%-3.8pp | 80.3%-5.3pp |
| Annual return | 34.48% | 166.77%-132.3pp | 134.46%-100.0pp | 373.66%-339.2pp |
| Employer contribution / active EE | $4,686 | $5,478-14.5% | $4,821-2.8% | $4,754-1.4% |
| Participant deferral / active EE | $11,699 | $6,521+79.4% | $5,682+105.9% | $6,712+74.3% |
| Admin fee / account holder | $2,593 | $16,155-83.9% | $13,212-80.4% | $11,409-77.3% |