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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 | $323,776 | $112,121+188.8% | $95,960+237.4% | $158,966+103.7% |
| Participation rate | 90.0% | 79.0%+11.0pp | 77.1%+12.9pp | 82.0%+8.0pp |
| Annual return | 20.01% | 171.16%-151.2pp | 91.63%-71.6pp | 302.95%-282.9pp |
| Employer contribution / active EE | $8,546 | $3,199+167.1% | $2,541+236.3% | $4,762+79.4% |
| Participant deferral / active EE | $9,267 | $4,784+93.7% | $4,167+122.4% | $5,983+54.9% |
| Admin fee / account holder | $64,616 | $10,135+537.6% | $6,797+850.6% | $11,250+474.4% |