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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 | $447,945 | $183,516+144.1% | $155,534+188.0% | $145,884+207.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 12.03% | 61.43%-49.4pp | 64.92%-52.9pp | 551.85%-539.8pp |
| Employer contribution / active EE | $5,902 | $5,315+11.0% | $4,675+26.2% | $4,662+26.6% |
| Participant deferral / active EE | $3,333 | $6,467-48.5% | $5,630-40.8% | $6,690-50.2% |
| Admin fee / account holder | $5,480 | $19,293-71.6% | $15,900-65.5% | $13,392-59.1% |