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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 | $392,224 | $115,814+238.7% | $101,275+287.3% | $158,982+146.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 17.49% | 56.16%-38.7pp | 46.48%-29.0pp | 302.99%-285.5pp |
| Employer contribution / active EE | $8,977 | $4,176+115.0% | $3,660+145.3% | $4,763+88.5% |
| Participant deferral / active EE | $8,251 | $4,958+66.4% | $4,371+88.8% | $5,983+37.9% |
| Admin fee / account holder | $851 | $7,249-88.3% | $5,948-85.7% | $11,252-92.4% |