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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 | $651,146 | $217,432+199.5% | $185,849+250.4% | $167,536+288.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 19.49% | 148.42%-128.9pp | 122.10%-102.6pp | 478.82%-459.3pp |
| Employer contribution / active EE | $7,252 | $5,875+23.4% | $5,169+40.3% | $4,839+49.9% |
| Participant deferral / active EE | $5,889 | $6,357-7.4% | $5,569+5.7% | $6,342-7.1% |
| Admin fee / account holder | $4,642 | $19,818-76.6% | $16,244-71.4% | $12,315-62.3% |