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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 | $639,754 | $226,135+182.9% | $182,558+250.4% | $152,909+318.4% |
| Participation rate | 85.7% | 82.5%+3.2pp | 78.0%+7.7pp | 82.5%+3.3pp |
| Annual return | 52.40% | 192.60%-140.2pp | 148.59%-96.2pp | 345.46%-293.1pp |
| Employer contribution / active EE | $7,710 | $4,979+54.8% | $4,076+89.2% | $4,764+61.8% |
| Participant deferral / active EE | $9,929 | $6,371+55.9% | $5,526+79.7% | $5,851+69.7% |
| Admin fee / account holder | $67,161 | $10,707+527.3% | $8,594+681.5% | $11,601+478.9% |