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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 | $542,697 | $175,231+209.7% | $149,696+262.5% | $139,466+289.1% |
| Participation rate | 83.3% | 83.4%-0.1pp | 78.8%+4.6pp | 80.3%+3.0pp |
| Annual return | 23.09% | 166.77%-143.7pp | 134.46%-111.4pp | 373.66%-350.6pp |
| Employer contribution / active EE | $1,365 | $5,478-75.1% | $4,821-71.7% | $4,754-71.3% |
| Participant deferral / active EE | $3,981 | $6,521-39.0% | $5,682-29.9% | $6,712-40.7% |
| Admin fee / account holder | $29,723 | $16,155+84.0% | $13,212+125.0% | $11,409+160.5% |