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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 | $350,392 | $107,941+224.6% | $91,994+280.9% | $152,909+129.2% |
| Participation rate | 85.7% | 81.2%+4.5pp | 78.6%+7.1pp | 82.5%+3.3pp |
| Annual return | 22.72% | 89.28%-66.6pp | 69.04%-46.3pp | 345.46%-322.7pp |
| Employer contribution / active EE | $9,429 | $4,212+123.9% | $3,453+173.1% | $4,764+97.9% |
| Participant deferral / active EE | $7,738 | $6,366+21.6% | $5,924+30.6% | $5,851+32.2% |
| Admin fee / account holder | $3,842 | $10,521-63.5% | $7,744-50.4% | $11,601-66.9% |