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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 | $752,527 | $165,361+355.1% | $149,715+402.6% | $158,950+373.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.38% | 348.24%-336.9pp | 276.66%-265.3pp | 302.91%-291.5pp |
| Employer contribution / active EE | $2,416 | $5,103-52.7% | $4,645-48.0% | $4,762-49.3% |
| Participant deferral / active EE | $14,730 | $7,182+105.1% | $6,842+115.3% | $5,983+146.2% |
| Admin fee / account holder | $13,216 | $10,808+22.3% | $9,310+42.0% | $11,248+17.5% |