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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 | $267,112 | $80,812+230.5% | $160,784+66.1% | $82,448+224.0% |
| Participation rate | 91.7% | 66.2%+25.4pp | 77.0%+14.7pp | 68.1%+23.6pp |
| Annual return | 14.37% | 100.59%-86.2pp | 1803.92%-1789.6pp | 41.64%-27.3pp |
| Employer contribution / active EE | $5,064 | $2,174+133.0% | $3,733+35.7% | $2,551+98.5% |
| Participant deferral / active EE | $16,657 | $4,335+284.2% | $6,293+164.7% | $4,139+302.4% |
| Admin fee / account holder | $42,565 | $7,695+453.1% | $9,717+338.0% | $7,234+488.4% |