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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 | $475,355 | $165,361+187.5% | $149,715+217.5% | $158,950+199.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 27.01% | 348.24%-321.2pp | 276.66%-249.7pp | 302.91%-275.9pp |
| Employer contribution / active EE | $2,903 | $5,103-43.1% | $4,645-37.5% | $4,762-39.0% |
| Participant deferral / active EE | $7,850 | $7,182+9.3% | $6,842+14.7% | $5,983+31.2% |
| Admin fee / account holder | $90,378 | $10,808+736.2% | $9,310+870.8% | $11,248+703.5% |