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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 | $636,171 | $157,296+304.4% | $141,191+350.6% | $152,897+316.1% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 26.31% | 64.34%-38.0pp | 71.41%-45.1pp | 345.43%-319.1pp |
| Employer contribution / active EE | $9,285 | $5,262+76.5% | $4,736+96.1% | $4,764+94.9% |
| Participant deferral / active EE | $14,202 | $7,111+99.7% | $6,710+111.6% | $5,851+142.7% |
| Admin fee / account holder | $55,347 | $12,125+356.5% | $10,264+439.2% | $11,599+377.2% |