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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 | $770,722 | $125,778+512.8% | $114,563+572.8% | $154,746+398.1% |
| Participation rate | 91.7% | 75.2%+16.5pp | 72.9%+18.8pp | 80.7%+11.0pp |
| Annual return | 12.47% | 295.14%-282.7pp | 241.09%-228.6pp | 172.34%-159.9pp |
| Employer contribution / active EE | $10,168 | $2,806+262.4% | $2,592+292.3% | $4,379+132.2% |
| Participant deferral / active EE | $5,614 | $4,445+26.3% | $4,142+35.5% | $6,730-16.6% |
| Admin fee / account holder | $57,775 | $8,190+605.4% | $7,623+657.9% | $14,365+302.2% |