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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 | $699,330 | $185,312+277.4% | $161,489+333.1% | $154,746+351.9% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 19.82% | 103.84%-84.0pp | 89.72%-69.9pp | 172.34%-152.5pp |
| Employer contribution / active EE | $2,002 | $4,769-58.0% | $4,268-53.1% | $4,379-54.3% |
| Participant deferral / active EE | $6,832 | $6,350+7.6% | $5,630+21.4% | $6,730+1.5% |
| Admin fee / account holder | $3,237 | $18,654-82.6% | $16,006-79.8% | $14,365-77.5% |