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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 | $400,048 | $226,105+76.9% | $182,540+119.2% | $152,897+161.6% |
| Participation rate | 83.3% | 82.5%+0.9pp | 78.0%+5.4pp | 82.5%+0.9pp |
| Annual return | 36.41% | 192.58%-156.2pp | 148.58%-112.2pp | 345.43%-309.0pp |
| Employer contribution / active EE | $10,082 | $4,978+102.5% | $4,076+147.4% | $4,764+111.6% |
| Participant deferral / active EE | $5,550 | $6,370-12.9% | $5,525+0.4% | $5,851-5.1% |
| Admin fee / account holder | $8,336 | $10,706-22.1% | $8,593-3.0% | $11,599-28.1% |