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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% | $155,574+495.2% | $145,877+534.8% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 26.25% | 61.37%-35.1pp | 64.87%-38.6pp | 551.28%-525.0pp |
| Employer contribution / active EE | $3,549 | $5,317-33.3% | $4,676-24.1% | $4,663-23.9% |
| Participant deferral / active EE | $5,259 | $6,466-18.7% | $5,629-6.6% | $6,691-21.4% |
| Admin fee / account holder | $56,998 | $19,316+195.1% | $15,914+258.2% | $13,402+325.3% |