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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 | $252,724 | $125,237+101.8% | $105,608+139.3% | $145,877+73.2% |
| Participation rate | 91.7% | 77.7%+14.0pp | 75.3%+16.4pp | 80.3%+11.4pp |
| Annual return | 37.55% | 225.76%-188.2pp | 116.50%-79.0pp | 551.28%-513.7pp |
| Employer contribution / active EE | $1,723 | $3,720-53.7% | $3,167-45.6% | $4,663-63.1% |
| Participant deferral / active EE | $4,450 | $5,711-22.1% | $5,010-11.2% | $6,691-33.5% |
| Admin fee / account holder | $10,272 | $17,287-40.6% | $11,028-6.9% | $13,402-23.4% |