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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 | $497,632 | $154,228+222.7% | $145,433+242.2% | $137,256+262.6% |
| Participation rate | 77.8% | 83.8%-6.0pp | 82.1%-4.3pp | 80.0%-2.2pp |
| Annual return | 168.65% | 74.59%+94.1pp | 66.58%+102.1pp | 220.34%-51.7pp |
| Employer contribution / active EE | $3,464 | $4,804-27.9% | $4,554-24.0% | $4,156-16.7% |
| Participant deferral / active EE | $3,742 | $8,216-54.5% | $7,897-52.6% | $6,407-41.6% |
| Admin fee / account holder | $26,475 | $14,344+84.6% | $13,129+101.7% | $12,270+115.8% |