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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 | $538,841 | $183,539+193.6% | $155,556+246.4% | $145,897+269.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 26.63% | 61.31%-34.7pp | 64.84%-38.2pp | 552.29%-525.7pp |
| Employer contribution / active EE | $2,586 | $5,315-51.3% | $4,675-44.7% | $4,663-44.5% |
| Participant deferral / active EE | $14,133 | $6,467+118.5% | $5,631+151.0% | $6,689+111.3% |
| Admin fee / account holder | $53,380 | $19,275+176.9% | $15,885+236.0% | $13,390+298.6% |