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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 | $729,692 | $198,457+267.7% | $170,435+328.1% | $147,586+394.4% |
| Participation rate | 83.3% | 88.0%-4.6pp | 83.6%-0.3pp | 82.8%+0.5pp |
| Annual return | 14.00% | 257.30%-243.3pp | 205.94%-191.9pp | 578.59%-564.6pp |
| Employer contribution / active EE | $12,211 | $6,183+97.5% | $5,432+124.8% | $4,876+150.4% |
| Participant deferral / active EE | $12,817 | $5,629+127.7% | $4,939+159.5% | $5,439+135.7% |
| Admin fee / account holder | $3,447 | $16,852-79.5% | $13,881-75.2% | $10,886-68.3% |