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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 | $358,540 | $88,815+303.7% | $81,882+337.9% | $145,897+145.7% |
| Participation rate | 91.7% | 75.1%+16.6pp | 72.4%+19.3pp | 80.3%+11.4pp |
| Annual return | 15.17% | 1033.75%-1018.6pp | 779.47%-764.3pp | 552.29%-537.1pp |
| Employer contribution / active EE | $9,251 | $3,086+199.7% | $2,916+217.2% | $4,663+98.4% |
| Participant deferral / active EE | $8,315 | $4,647+78.9% | $4,323+92.3% | $6,689+24.3% |
| Admin fee / account holder | $1,226 | $8,434-85.5% | $7,360-83.3% | $13,390-90.8% |