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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 | $517,259 | $118,708+335.7% | $98,920+422.9% | $158,982+225.4% |
| Participation rate | 80.0% | 77.8%+2.2pp | 76.0%+4.0pp | 82.0%-2.0pp |
| Annual return | 14.94% | 372.49%-357.6pp | 196.47%-181.5pp | 302.99%-288.1pp |
| Employer contribution / active EE | $9,089 | $3,334+172.6% | $2,689+238.0% | $4,763+90.8% |
| Participant deferral / active EE | $9,089 | $5,089+78.6% | $4,245+114.1% | $5,983+51.9% |
| Admin fee / account holder | $996 | $10,134-90.2% | $6,643-85.0% | $11,252-91.1% |