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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 | $439,621 | $88,778+395.2% | $81,844+437.1% | $145,884+201.4% |
| Participation rate | 88.9% | 75.1%+13.8pp | 72.4%+16.5pp | 80.3%+8.6pp |
| Annual return | 21.05% | 1033.03%-1012.0pp | 778.87%-757.8pp | 551.85%-530.8pp |
| Employer contribution / active EE | $22,659 | $3,087+634.0% | $2,916+677.0% | $4,662+386.0% |
| Participant deferral / active EE | $15,236 | $4,648+227.8% | $4,323+252.4% | $6,690+127.8% |
| Admin fee / account holder | $66,455 | $8,430+688.3% | $7,355+803.5% | $13,392+396.2% |