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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 | $904,219 | $209,422+331.8% | $178,503+406.6% | $158,982+468.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 10.86% | 188.81%-177.9pp | 151.12%-140.3pp | 302.99%-292.1pp |
| Employer contribution / active EE | $2,923 | $5,707-48.8% | $5,011-41.7% | $4,763-38.6% |
| Participant deferral / active EE | $5,239 | $5,955-12.0% | $5,202+0.7% | $5,983-12.4% |
| Admin fee / account holder | $1,291 | $17,079-92.4% | $13,987-90.8% | $11,252-88.5% |