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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 | $522,897 | $108,911+380.1% | $100,392+420.9% | $145,884+258.4% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 14.42% | 58.23%-43.8pp | 49.45%-35.0pp | 551.85%-537.4pp |
| Employer contribution / active EE | $27,772 | $4,420+528.3% | $3,941+604.6% | $4,662+495.7% |
| Participant deferral / active EE | $29,269 | $8,459+246.0% | $8,090+261.8% | $6,690+337.5% |
| Admin fee / account holder | $3,477 | $9,698-64.1% | $7,904-56.0% | $13,392-74.0% |