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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 | $825,424 | $166,131+396.9% | $164,975+400.3% | $145,877+465.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 14.39% | 100.37%-86.0pp | 70.12%-55.7pp | 551.28%-536.9pp |
| Employer contribution / active EE | $6,555 | $5,276+24.3% | $4,343+50.9% | $4,663+40.6% |
| Participant deferral / active EE | $15,076 | $6,962+116.5% | $6,033+149.9% | $6,691+125.3% |
| Admin fee / account holder | $6,800 | $16,648-59.2% | $12,688-46.4% | $13,402-49.3% |