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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 | $549,411 | $227,399+141.6% | $189,758+189.5% | $198,609+176.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 12.70% | 61.03%-48.3pp | 52.62%-39.9pp | 202.70%-190.0pp |
| Employer contribution / active EE | $14,580 | $5,526+163.8% | $4,767+205.9% | $5,055+188.4% |
| Participant deferral / active EE | $5,967 | $6,837-12.7% | $5,856+1.9% | $6,977-14.5% |
| Admin fee / account holder | $8,233 | $25,162-67.3% | $20,388-59.6% | $19,030-56.7% |