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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 | $714,582 | $165,399+332.0% | $149,745+377.2% | $158,982+349.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 8.92% | 348.34%-339.4pp | 276.72%-267.8pp | 302.99%-294.1pp |
| Employer contribution / active EE | $4,232 | $5,105-17.1% | $4,646-8.9% | $4,763-11.1% |
| Participant deferral / active EE | $9,468 | $7,183+31.8% | $6,843+38.4% | $5,983+58.2% |
| Admin fee / account holder | $2,389 | $10,811-77.9% | $9,312-74.3% | $11,252-78.8% |