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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 | $367,865 | $72,071+410.4% | $68,368+438.1% | $137,256+168.0% |
| Participation rate | 94.1% | 76.2%+17.9pp | 73.8%+20.4pp | 80.0%+14.2pp |
| Annual return | 15.15% | 353.14%-338.0pp | 292.57%-277.4pp | 220.34%-205.2pp |
| Employer contribution / active EE | $5,884 | $2,788+111.1% | $2,649+122.1% | $4,156+41.6% |
| Participant deferral / active EE | $14,681 | $4,410+232.9% | $4,123+256.1% | $6,407+129.2% |
| Admin fee / account holder | $81,216 | $5,336+1422.2% | $5,150+1477.1% | $12,270+561.9% |