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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 | $557,281 | $176,120+216.4% | $159,487+249.4% | $167,553+232.6% |
| Participation rate | 83.3% | 85.0%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 14.65% | 331.95%-317.3pp | 263.71%-249.1pp | 478.89%-464.2pp |
| Employer contribution / active EE | $4,837 | $5,299-8.7% | $4,831+0.1% | $4,840-0.1% |
| Participant deferral / active EE | $9,812 | $7,752+26.6% | $7,354+33.4% | $6,343+54.7% |
| Admin fee / account holder | $1,642 | $12,561-86.9% | $10,804-84.8% | $12,316-86.7% |