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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 | $392,273 | $197,637+98.5% | $177,848+120.6% | $158,982+146.7% |
| Participation rate | 85.7% | 88.5%-2.8pp | 87.7%-2.0pp | 82.0%+3.7pp |
| Annual return | 87.76% | 58.77%+29.0pp | 48.33%+39.4pp | 302.99%-215.2pp |
| Employer contribution / active EE | $5,740 | $6,698-14.3% | $5,919-3.0% | $4,763+20.5% |
| Participant deferral / active EE | $10,486 | $8,405+24.8% | $7,714+35.9% | $5,983+75.2% |
| Admin fee / account holder | $32,198 | $15,406+109.0% | $12,431+159.0% | $11,252+186.2% |