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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 | $375,660 | $183,592+104.6% | $155,574+141.5% | $145,877+157.5% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 10.55% | 61.37%-50.8pp | 64.87%-54.3pp | 551.28%-540.7pp |
| Employer contribution / active EE | $18,223 | $5,317+242.7% | $4,676+289.7% | $4,663+290.8% |
| Participant deferral / active EE | $11,228 | $6,466+73.6% | $5,629+99.5% | $6,691+67.8% |
| Admin fee / account holder | $16,733 | $19,316-13.4% | $15,914+5.1% | $13,402+24.9% |