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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 | $280,644 | $155,833+80.1% | $124,693+125.1% | $167,536+67.5% |
| Participation rate | 71.4% | 81.1%-9.7pp | 74.6%-3.2pp | 82.1%-10.7pp |
| Annual return | 13.35% | 17.98%-4.6pp | 5144.19%-5130.8pp | 478.82%-465.5pp |
| Employer contribution / active EE | $9,693 | $4,164+132.8% | $3,324+191.6% | $4,839+100.3% |
| Participant deferral / active EE | $10,355 | $5,675+82.5% | $4,615+124.4% | $6,342+63.3% |
| Admin fee / account holder | $2,334 | $9,534-75.5% | $7,494-68.9% | $12,315-81.0% |