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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 | $568,838 | $183,539+209.9% | $155,556+265.7% | $145,897+289.9% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 10.62% | 61.31%-50.7pp | 64.84%-54.2pp | 552.29%-541.7pp |
| Employer contribution / active EE | $10,061 | $5,315+89.3% | $4,675+115.2% | $4,663+115.8% |
| Participant deferral / active EE | $10,100 | $6,467+56.2% | $5,631+79.4% | $6,689+51.0% |
| Admin fee / account holder | $18,892 | $19,275-2.0% | $15,885+18.9% | $13,390+41.1% |