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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 | $803,686 | $185,883+332.4% | $170,043+372.6% | $139,466+476.3% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 24.78% | 60.54%-35.8pp | 53.40%-28.6pp | 373.66%-348.9pp |
| Employer contribution / active EE | $6,688 | $7,596-12.0% | $6,790-1.5% | $4,754+40.7% |
| Participant deferral / active EE | $8,397 | $11,626-27.8% | $10,410-19.3% | $6,712+25.1% |
| Admin fee / account holder | $37,261 | $15,393+142.1% | $12,824+190.5% | $11,409+226.6% |