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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 | $636,530 | $183,539+246.8% | $155,556+309.2% | $145,897+336.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 17.24% | 61.31%-44.1pp | 64.84%-47.6pp | 552.29%-535.0pp |
| Employer contribution / active EE | $8,716 | $5,315+64.0% | $4,675+86.4% | $4,663+86.9% |
| Participant deferral / active EE | $8,492 | $6,467+31.3% | $5,631+50.8% | $6,689+26.9% |
| Admin fee / account holder | $47,800 | $19,275+148.0% | $15,885+200.9% | $13,390+257.0% |