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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 | $183,516+323.9% | $155,534+400.1% | $145,884+433.2% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 11.17% | 61.43%-50.3pp | 64.92%-53.8pp | 551.85%-540.7pp |
| Employer contribution / active EE | $18,893 | $5,315+255.5% | $4,675+304.1% | $4,662+305.2% |
| Participant deferral / active EE | $11,938 | $6,467+84.6% | $5,630+112.0% | $6,690+78.4% |
| Admin fee / account holder | $9,576 | $19,293-50.4% | $15,900-39.8% | $13,392-28.5% |