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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 | $664,302 | $197,637+236.1% | $177,848+273.5% | $158,982+317.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 22.22% | 58.77%-36.5pp | 48.33%-26.1pp | 302.99%-280.8pp |
| Employer contribution / active EE | $6,368 | $6,698-4.9% | $5,919+7.6% | $4,763+33.7% |
| Participant deferral / active EE | $15,125 | $8,405+80.0% | $7,714+96.1% | $5,983+152.8% |
| Admin fee / account holder | $12,029 | $15,406-21.9% | $12,431-3.2% | $11,252+6.9% |