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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 | $809,174 | $175,231+361.8% | $149,696+440.5% | $139,466+480.2% |
| Participation rate | 80.0% | 83.4%-3.4pp | 78.8%+1.2pp | 80.3%-0.3pp |
| Annual return | 14.88% | 166.77%-151.9pp | 134.46%-119.6pp | 373.66%-358.8pp |
| Employer contribution / active EE | $10,176 | $5,478+85.8% | $4,821+111.1% | $4,754+114.1% |
| Participant deferral / active EE | $8,352 | $6,521+28.1% | $5,682+47.0% | $6,712+24.4% |
| Admin fee / account holder | $5,030 | $16,155-68.9% | $13,212-61.9% | $11,409-55.9% |