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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 | $108,912+380.1% | $100,383+420.9% | $145,959+258.2% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 14.42% | 57.96%-43.5pp | 49.26%-34.8pp | 561.95%-547.5pp |
| Employer contribution / active EE | $27,772 | $4,423+527.9% | $3,944+604.2% | $4,661+495.9% |
| Participant deferral / active EE | $29,269 | $8,451+246.3% | $8,086+262.0% | $6,689+337.6% |
| Admin fee / account holder | $3,477 | $9,690-64.1% | $7,900-56.0% | $13,398-74.0% |