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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 | $473,981 | $148,629+218.9% | $135,982+248.6% | $139,487+239.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 17.06% | 79.33%-62.3pp | 68.32%-51.3pp | 373.84%-356.8pp |
| Employer contribution / active EE | $3,515 | $5,247-33.0% | $4,859-27.7% | $4,755-26.1% |
| Participant deferral / active EE | $15,780 | $8,102+94.8% | $7,760+103.4% | $6,713+135.1% |
| Admin fee / account holder | $17,024 | $12,406+37.2% | $10,767+58.1% | $11,407+49.2% |