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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 | $604,654 | $157,304+284.4% | $141,197+328.2% | $152,909+295.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 23.00% | 64.34%-41.3pp | 71.41%-48.4pp | 345.46%-322.5pp |
| Employer contribution / active EE | $2,513 | $5,263-52.2% | $4,736-46.9% | $4,764-47.2% |
| Participant deferral / active EE | $8,763 | $7,111+23.2% | $6,710+30.6% | $5,851+49.8% |
| Admin fee / account holder | $14,356 | $12,126+18.4% | $10,265+39.9% | $11,601+23.8% |