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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 | $296,069 | $96,678+206.2% | $86,640+241.7% | $139,466+112.3% |
| Participation rate | 83.3% | 74.4%+8.9pp | 71.7%+11.6pp | 80.3%+3.0pp |
| Annual return | 16.97% | 106.69%-89.7pp | 592.52%-575.5pp | 373.66%-356.7pp |
| Employer contribution / active EE | $13,498 | $3,265+313.4% | $3,024+346.3% | $4,754+183.9% |
| Participant deferral / active EE | $9,109 | $4,837+88.3% | $4,438+105.2% | $6,712+35.7% |
| Admin fee / account holder | $3,833 | $6,410-40.2% | $5,616-31.7% | $11,409-66.4% |