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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 | $777,903 | $183,592+323.7% | $155,567+400.0% | $145,959+433.0% |
| Participation rate | 83.3% | 82.7%+0.7pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 11.17% | 61.24%-50.1pp | 64.74%-53.6pp | 561.95%-550.8pp |
| Employer contribution / active EE | $18,893 | $5,315+255.5% | $4,674+304.2% | $4,661+305.4% |
| Participant deferral / active EE | $11,938 | $6,464+84.7% | $5,628+112.1% | $6,689+78.5% |
| Admin fee / account holder | $9,576 | $19,318-50.4% | $15,916-39.8% | $13,398-28.5% |