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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 | $319,082 | $78,425+306.9% | $95,956+232.5% | $79,858+299.6% |
| Participation rate | 96.0% | 73.5%+22.5pp | 77.1%+18.9pp | 69.6%+26.4pp |
| Annual return | 14.77% | 19.37%-4.6pp | 91.63%-76.9pp | 31.72%-16.9pp |
| Employer contribution / active EE | $11,904 | $1,945+511.9% | $2,541+368.4% | $2,471+381.8% |
| Participant deferral / active EE | $8,649 | $3,440+151.4% | $4,167+107.6% | $3,740+131.2% |
| Admin fee / account holder | $15,884 | $5,622+182.5% | $6,797+133.7% | $5,306+199.4% |