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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 | $569,118 | $115,814+391.4% | $101,275+462.0% | $158,982+258.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 22.82% | 56.16%-33.3pp | 46.48%-23.7pp | 302.99%-280.2pp |
| Employer contribution / active EE | $1,817 | $4,176-56.5% | $3,660-50.4% | $4,763-61.9% |
| Participant deferral / active EE | $7,577 | $4,958+52.8% | $4,371+73.4% | $5,983+26.6% |
| Admin fee / account holder | $4,508 | $7,249-37.8% | $5,948-24.2% | $11,252-59.9% |