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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 | $476,883 | $210,908+126.1% | $153,643+210.4% | $145,884+226.9% |
| Participation rate | 100.0% | 82.1%+17.9pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 47.26% | 13.46%+33.8pp | 15.71%+31.5pp | 551.85%-504.6pp |
| Employer contribution / active EE | $9,927 | $6,055+63.9% | $5,039+97.0% | $4,662+112.9% |
| Participant deferral / active EE | $13,326 | $7,976+67.1% | $6,754+97.3% | $6,690+99.2% |
| Admin fee / account holder | $27,582 | $19,477+41.6% | $12,739+116.5% | $13,392+106.0% |