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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 | $486,371 | $148,629+227.2% | $135,982+257.7% | $139,487+248.7% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 14.35% | 79.33%-65.0pp | 68.32%-54.0pp | 373.84%-359.5pp |
| Employer contribution / active EE | $6,707 | $5,247+27.8% | $4,859+38.0% | $4,755+41.1% |
| Participant deferral / active EE | $11,892 | $8,102+46.8% | $7,760+53.2% | $6,713+77.2% |
| Admin fee / account holder | $6,405 | $12,406-48.4% | $10,767-40.5% | $11,407-43.9% |