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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 | $590,059 | $175,259+236.7% | $149,723+294.1% | $139,487+323.0% |
| Participation rate | 85.7% | 83.4%+2.3pp | 78.8%+6.9pp | 80.3%+5.4pp |
| Annual return | 12.89% | 166.82%-153.9pp | 134.50%-121.6pp | 373.84%-361.0pp |
| Employer contribution / active EE | $7,093 | $5,478+29.5% | $4,821+47.1% | $4,755+49.2% |
| Participant deferral / active EE | $5,609 | $6,522-14.0% | $5,682-1.3% | $6,713-16.4% |
| Admin fee / account holder | $4,132 | $16,158-74.4% | $13,215-68.7% | $11,407-63.8% |