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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 | $438,582 | $209,422+109.4% | $178,503+145.7% | $158,982+175.9% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 9.69% | 188.81%-179.1pp | 151.12%-141.4pp | 302.99%-293.3pp |
| Employer contribution / active EE | $7,596 | $5,707+33.1% | $5,011+51.6% | $4,763+59.5% |
| Participant deferral / active EE | $8,171 | $5,955+37.2% | $5,202+57.1% | $5,983+36.6% |
| Admin fee / account holder | $7,797 | $17,079-54.4% | $13,987-44.3% | $11,252-30.7% |