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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 | $633,401 | $178,174+255.5% | $156,181+305.6% | $137,256+361.5% |
| Participation rate | 88.9% | 82.0%+6.9pp | 78.8%+10.1pp | 80.0%+8.9pp |
| Annual return | 14.45% | 84.19%-69.7pp | 64.87%-50.4pp | 220.34%-205.9pp |
| Employer contribution / active EE | $8,026 | $4,972+61.4% | $4,294+86.9% | $4,156+93.1% |
| Participant deferral / active EE | $6,498 | $6,888-5.7% | $6,132+6.0% | $6,407+1.4% |
| Admin fee / account holder | $34,091 | $17,404+95.9% | $14,586+133.7% | $12,270+177.8% |