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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 | $523,656 | $183,539+185.3% | $155,556+236.6% | $145,897+258.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.08% | 61.31%-52.2pp | 64.84%-55.8pp | 552.29%-543.2pp |
| Employer contribution / active EE | $7,878 | $5,315+48.2% | $4,675+68.5% | $4,663+69.0% |
| Participant deferral / active EE | $7,222 | $6,467+11.7% | $5,631+28.3% | $6,689+8.0% |
| Admin fee / account holder | $6,645 | $19,275-65.5% | $15,885-58.2% | $13,390-50.4% |