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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 | $718,129 | $117,846+509.4% | $102,434+601.1% | $145,884+392.3% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 9.88% | 31.90%-22.0pp | 29.46%-19.6pp | 551.85%-542.0pp |
| Employer contribution / active EE | $16,468 | $3,615+355.6% | $3,023+444.7% | $4,662+253.2% |
| Participant deferral / active EE | $25,748 | $5,733+349.1% | $5,055+409.4% | $6,690+284.9% |
| Admin fee / account holder | $18,043 | $13,356+35.1% | $9,462+90.7% | $13,392+34.7% |