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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% | $155,574+400.0% | $145,877+433.3% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 11.17% | 61.37%-50.2pp | 64.87%-53.7pp | 551.28%-540.1pp |
| Employer contribution / active EE | $18,893 | $5,317+255.3% | $4,676+304.1% | $4,663+305.2% |
| Participant deferral / active EE | $11,938 | $6,466+84.6% | $5,629+112.1% | $6,691+78.4% |
| Admin fee / account holder | $9,576 | $19,316-50.4% | $15,914-39.8% | $13,402-28.5% |