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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 | $536,044 | $217,432+146.5% | $185,849+188.4% | $167,536+220.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.30% | 148.42%-134.1pp | 122.10%-107.8pp | 478.82%-464.5pp |
| Employer contribution / active EE | $3,269 | $5,875-44.4% | $5,169-36.8% | $4,839-32.4% |
| Participant deferral / active EE | $5,882 | $6,357-7.5% | $5,569+5.6% | $6,342-7.3% |
| Admin fee / account holder | $5,435 | $19,818-72.6% | $16,244-66.5% | $12,315-55.9% |