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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 | $442,779 | $106,008+317.7% | $92,240+380.0% | $147,586+200.0% |
| Participation rate | 81.8% | 80.4%+1.4pp | 76.5%+5.3pp | 82.8%-1.0pp |
| Annual return | 16.79% | 50.05%-33.3pp | 176.29%-159.5pp | 578.59%-561.8pp |
| Employer contribution / active EE | $1,531 | $4,333-64.7% | $3,680-58.4% | $4,876-68.6% |
| Participant deferral / active EE | $5,003 | $4,478+11.7% | $3,897+28.4% | $5,439-8.0% |
| Admin fee / account holder | $7,603 | $6,333+20.1% | $5,194+46.4% | $10,886-30.2% |