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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 | $667,041 | $176,071+278.8% | $159,450+318.3% | $167,497+298.2% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.88% | 331.79%-316.9pp | 263.60%-248.7pp | 478.62%-463.7pp |
| Employer contribution / active EE | $7,368 | $5,298+39.1% | $4,830+52.5% | $4,838+52.3% |
| Participant deferral / active EE | $10,680 | $7,750+37.8% | $7,352+45.3% | $6,341+68.4% |
| Admin fee / account holder | $8,545 | $12,555-31.9% | $10,800-20.9% | $12,310-30.6% |