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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 | $566,779 | $148,623+281.4% | $135,974+316.8% | $139,466+306.4% |
| Participation rate | 92.9% | 83.9%+9.0pp | 81.9%+10.9pp | 80.3%+12.5pp |
| Annual return | 17.48% | 79.30%-61.8pp | 68.30%-50.8pp | 373.66%-356.2pp |
| Employer contribution / active EE | $20,089 | $5,246+282.9% | $4,859+313.4% | $4,754+322.6% |
| Participant deferral / active EE | $16,285 | $8,103+101.0% | $7,760+109.9% | $6,712+142.6% |
| Admin fee / account holder | $98,809 | $12,406+696.5% | $10,767+817.7% | $11,409+766.1% |