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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 | $785,280 | $209,422+275.0% | $178,503+339.9% | $158,982+393.9% |
| Participation rate | 80.0% | 86.4%-6.4pp | 81.9%-1.9pp | 82.0%-2.0pp |
| Annual return | 8.53% | 188.81%-180.3pp | 151.12%-142.6pp | 302.99%-294.5pp |
| Employer contribution / active EE | $9,976 | $5,707+74.8% | $5,011+99.1% | $4,763+109.5% |
| Participant deferral / active EE | $8,204 | $5,955+37.8% | $5,202+57.7% | $5,983+37.1% |
| Admin fee / account holder | $3,446 | $17,079-79.8% | $13,987-75.4% | $11,252-69.4% |