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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 | $698,975 | $166,242+320.5% | $165,071+323.4% | $145,884+379.1% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.6%-3.6pp | 80.3%-5.3pp |
| Annual return | 21.85% | 100.44%-78.6pp | 70.17%-48.3pp | 551.85%-530.0pp |
| Employer contribution / active EE | $4,583 | $5,283-13.3% | $4,347+5.4% | $4,662-1.7% |
| Participant deferral / active EE | $9,166 | $6,964+31.6% | $6,035+51.9% | $6,690+37.0% |
| Admin fee / account holder | $14,397 | $16,658-13.6% | $12,695+13.4% | $13,392+7.5% |