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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 | $88,754+304.0% | $81,820+338.2% | $145,877+145.8% |
| Participation rate | 91.7% | 75.1%+16.6pp | 72.4%+19.3pp | 80.3%+11.4pp |
| Annual return | 15.17% | 1031.77%-1016.6pp | 777.93%-762.8pp | 551.28%-536.1pp |
| Employer contribution / active EE | $9,251 | $3,085+199.8% | $2,915+217.3% | $4,663+98.4% |
| Participant deferral / active EE | $8,315 | $4,648+78.9% | $4,323+92.4% | $6,691+24.3% |
| Admin fee / account holder | $1,226 | $8,424-85.4% | $7,391-83.4% | $13,402-90.9% |