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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 | $494,009 | $209,422+135.9% | $178,503+176.8% | $158,982+210.7% |
| Participation rate | 87.5% | 86.4%+1.1pp | 81.9%+5.6pp | 82.0%+5.5pp |
| Annual return | 14.11% | 188.81%-174.7pp | 151.12%-137.0pp | 302.99%-288.9pp |
| Employer contribution / active EE | $11,134 | $5,707+95.1% | $5,011+122.2% | $4,763+133.8% |
| Participant deferral / active EE | $5,807 | $5,955-2.5% | $5,202+11.6% | $5,983-2.9% |
| Admin fee / account holder | $777 | $17,079-95.5% | $13,987-94.4% | $11,252-93.1% |