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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 | $708,852 | $183,539+286.2% | $155,556+355.7% | $145,897+385.9% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 13.69% | 61.31%-47.6pp | 64.84%-51.1pp | 552.29%-538.6pp |
| Employer contribution / active EE | $9,719 | $5,315+82.9% | $4,675+107.9% | $4,663+108.4% |
| Participant deferral / active EE | $6,143 | $6,467-5.0% | $5,631+9.1% | $6,689-8.2% |
| Admin fee / account holder | $6,172 | $19,275-68.0% | $15,885-61.1% | $13,390-53.9% |