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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 | $648,477 | $185,905+248.8% | $170,057+281.3% | $139,487+364.9% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 22.32% | 60.56%-38.2pp | 53.42%-31.1pp | 373.84%-351.5pp |
| Employer contribution / active EE | $18,695 | $7,597+146.1% | $6,790+175.3% | $4,755+293.2% |
| Participant deferral / active EE | $8,989 | $11,627-22.7% | $10,411-13.7% | $6,713+33.9% |
| Admin fee / account holder | $27,968 | $15,397+81.6% | $12,826+118.1% | $11,407+145.2% |