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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 | $508,655 | $183,539+177.1% | $155,556+227.0% | $145,897+248.6% |
| Participation rate | 90.0% | 82.7%+7.3pp | 78.2%+11.8pp | 80.3%+9.7pp |
| Annual return | 17.84% | 61.31%-43.5pp | 64.84%-47.0pp | 552.29%-534.4pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $66,626 | $6,467+930.3% | $5,631+1083.3% | $6,689+896.0% |
| Admin fee / account holder | $78,349 | $19,275+306.5% | $15,885+393.2% | $13,390+485.1% |