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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 | $546,524 | $209,336+161.1% | $197,124+177.2% | $137,256+298.2% |
| Participation rate | 71.4% | 87.3%-15.9pp | 86.7%-15.3pp | 80.0%-8.5pp |
| Annual return | 120.30% | 48.09%+72.2pp | 44.34%+76.0pp | 220.34%-100.0pp |
| Employer contribution / active EE | $18,334 | $6,591+178.2% | $6,227+194.4% | $4,156+341.1% |
| Participant deferral / active EE | $7,583 | $9,614-21.1% | $9,135-17.0% | $6,407+18.4% |
| Admin fee / account holder | $3,043 | $17,308-82.4% | $16,298-81.3% | $12,270-75.2% |