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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 | $451,576 | $183,539+146.0% | $155,556+190.3% | $145,897+209.5% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 14.43% | 61.31%-46.9pp | 64.84%-50.4pp | 552.29%-537.9pp |
| Employer contribution / active EE | $11,580 | $5,315+117.9% | $4,675+147.7% | $4,663+148.4% |
| Participant deferral / active EE | $5,186 | $6,467-19.8% | $5,631-7.9% | $6,689-22.5% |
| Admin fee / account holder | $30,458 | $19,275+58.0% | $15,885+91.7% | $13,390+127.5% |