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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 | $926,018 | $183,592+404.4% | $155,567+495.3% | $145,959+534.4% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 26.25% | 61.24%-35.0pp | 64.74%-38.5pp | 561.95%-535.7pp |
| Employer contribution / active EE | $3,549 | $5,315-33.2% | $4,674-24.1% | $4,661-23.9% |
| Participant deferral / active EE | $5,259 | $6,464-18.6% | $5,628-6.6% | $6,689-21.4% |
| Admin fee / account holder | $56,998 | $19,318+195.0% | $15,916+258.1% | $13,398+325.4% |