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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 | $494,998 | $165,361+199.3% | $149,715+230.6% | $158,950+211.4% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 21.91% | 348.24%-326.3pp | 276.66%-254.8pp | 302.91%-281.0pp |
| Employer contribution / active EE | $5,750 | $5,103+12.7% | $4,645+23.8% | $4,762+20.7% |
| Participant deferral / active EE | $14,450 | $7,182+101.2% | $6,842+111.2% | $5,983+141.5% |
| Admin fee / account holder | $960 | $10,808-91.1% | $9,310-89.7% | $11,248-91.5% |