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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 | $504,600 | $185,312+172.3% | $161,489+212.5% | $154,746+226.1% |
| Participation rate | 90.0% | 82.5%+7.5pp | 78.7%+11.3pp | 80.7%+9.3pp |
| Annual return | 15.56% | 103.84%-88.3pp | 89.72%-74.2pp | 172.34%-156.8pp |
| Employer contribution / active EE | $9,456 | $4,769+98.3% | $4,268+121.5% | $4,379+115.9% |
| Participant deferral / active EE | $9,671 | $6,350+52.3% | $5,630+71.8% | $6,730+43.7% |
| Admin fee / account holder | $51,422 | $18,654+175.7% | $16,006+221.3% | $14,365+258.0% |