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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 | $493,522 | $115,814+326.1% | $101,275+387.3% | $158,982+210.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 8.35% | 56.16%-47.8pp | 46.48%-38.1pp | 302.99%-294.6pp |
| Employer contribution / active EE | $13,500 | $4,176+223.3% | $3,660+268.9% | $4,763+183.4% |
| Participant deferral / active EE | $13,008 | $4,958+162.4% | $4,371+197.6% | $5,983+117.4% |
| Admin fee / account holder | $5,185 | $7,249-28.5% | $5,948-12.8% | $11,252-53.9% |