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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 | $631,975 | $115,814+445.7% | $101,275+524.0% | $158,982+297.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 22.35% | 56.16%-33.8pp | 46.48%-24.1pp | 302.99%-280.6pp |
| Employer contribution / active EE | $3,586 | $4,176-14.1% | $3,660-2.0% | $4,763-24.7% |
| Participant deferral / active EE | $7,250 | $4,958+46.2% | $4,371+65.9% | $5,983+21.2% |
| Admin fee / account holder | $3,401 | $7,249-53.1% | $5,948-42.8% | $11,252-69.8% |