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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 | $451,697 | $198,457+127.6% | $170,435+165.0% | $147,586+206.1% |
| Participation rate | 87.5% | 88.0%-0.5pp | 83.6%+3.9pp | 82.8%+4.7pp |
| Annual return | 13.21% | 257.30%-244.1pp | 205.94%-192.7pp | 578.59%-565.4pp |
| Employer contribution / active EE | $15,032 | $6,183+143.1% | $5,432+176.7% | $4,876+208.3% |
| Participant deferral / active EE | $14,351 | $5,629+154.9% | $4,939+190.5% | $5,439+163.9% |
| Admin fee / account holder | $13,188 | $16,852-21.7% | $13,881-5.0% | $10,886+21.2% |