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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 | $519,168 | $183,627+182.7% | $155,602+233.7% | $145,978+255.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 24.36% | 61.32%-37.0pp | 64.81%-40.4pp | 550.52%-526.2pp |
| Employer contribution / active EE | $12,679 | $5,316+138.5% | $4,675+171.2% | $4,662+172.0% |
| Participant deferral / active EE | $7,815 | $6,466+20.9% | $5,629+38.8% | $6,690+16.8% |
| Admin fee / account holder | $2,985 | $19,327-84.6% | $15,923-81.3% | $13,400-77.7% |