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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 | $738,596 | $228,395+223.4% | $185,861+297.4% | $158,982+364.6% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 123.97% | 40.82%+83.2pp | 35.96%+88.0pp | 302.99%-179.0pp |
| Employer contribution / active EE | $2,044 | $4,968-58.9% | $4,088-50.0% | $4,763-57.1% |
| Participant deferral / active EE | $13,550 | $6,417+111.1% | $5,634+140.5% | $5,983+126.5% |
| Admin fee / account holder | $3,143 | $11,869-73.5% | $9,503-66.9% | $11,252-72.1% |