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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 | $464,632 | $202,345+129.6% | $172,755+169.0% | $152,885+203.9% |
| Participation rate | 88.9% | 87.1%+1.8pp | 82.6%+6.2pp | 82.5%+6.4pp |
| Annual return | 14.68% | 1029.77%-1015.1pp | 802.94%-788.3pp | 345.39%-330.7pp |
| Employer contribution / active EE | $6,766 | $5,858+15.5% | $5,144+31.5% | $4,763+42.0% |
| Participant deferral / active EE | $5,379 | $5,948-9.6% | $5,198+3.5% | $5,851-8.1% |
| Admin fee / account holder | $16,397 | $17,111-4.2% | $13,955+17.5% | $11,598+41.4% |