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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 | $561,997 | $184,000+205.4% | $162,185+246.5% | $152,909+267.5% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 23.52% | 150.80%-127.3pp | 115.61%-92.1pp | 345.46%-321.9pp |
| Employer contribution / active EE | $5,904 | $6,370-7.3% | $5,613+5.2% | $4,764+23.9% |
| Participant deferral / active EE | $9,899 | $8,033+23.2% | $7,297+35.7% | $5,851+69.2% |
| Admin fee / account holder | $7,419 | $13,124-43.5% | $10,844-31.6% | $11,601-36.0% |