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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 | $183,592+193.5% | $155,574+246.4% | $145,877+269.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 26.63% | 61.37%-34.7pp | 64.87%-38.2pp | 551.28%-524.7pp |
| Employer contribution / active EE | $2,586 | $5,317-51.4% | $4,676-44.7% | $4,663-44.5% |
| Participant deferral / active EE | $14,133 | $6,466+118.6% | $5,629+151.1% | $6,691+111.2% |
| Admin fee / account holder | $53,380 | $19,316+176.4% | $15,914+235.4% | $13,402+298.3% |