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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 | $88,710+304.2% | $81,783+338.4% | $145,959+145.6% |
| Participation rate | 91.7% | 75.0%+16.6pp | 72.4%+19.3pp | 80.3%+11.4pp |
| Annual return | 15.17% | 1027.26%-1012.1pp | 775.05%-759.9pp | 561.95%-546.8pp |
| Employer contribution / active EE | $9,251 | $3,083+200.0% | $2,913+217.6% | $4,661+98.5% |
| Participant deferral / active EE | $8,315 | $4,645+79.0% | $4,320+92.5% | $6,689+24.3% |
| Admin fee / account holder | $1,226 | $8,407-85.4% | $7,380-83.4% | $13,398-90.9% |