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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 | $528,616 | $176,105+200.2% | $159,474+231.5% | $167,536+215.5% |
| Participation rate | 83.3% | 85.0%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 16.52% | 331.91%-315.4pp | 263.68%-247.2pp | 478.82%-462.3pp |
| Employer contribution / active EE | $24,278 | $5,299+358.2% | $4,831+402.6% | $4,839+401.7% |
| Participant deferral / active EE | $13,964 | $7,751+80.2% | $7,353+89.9% | $6,342+120.2% |
| Admin fee / account holder | $15,366 | $12,559+22.4% | $10,802+42.2% | $12,315+24.8% |