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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 | $319,352 | $160,040+99.5% | $147,096+117.1% | $145,877+118.9% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 13.04% | 98.49%-85.5pp | 419.75%-406.7pp | 551.28%-538.2pp |
| Employer contribution / active EE | $11,589 | $5,289+119.1% | $4,936+134.8% | $4,663+148.5% |
| Participant deferral / active EE | $14,733 | $8,429+74.8% | $8,071+82.5% | $6,691+120.2% |
| Admin fee / account holder | $3,292 | $15,050-78.1% | $13,005-74.7% | $13,402-75.4% |