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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 | $291,776 | $103,008+183.3% | $90,304+223.1% | $152,897+90.8% |
| Participation rate | 87.5% | 75.9%+11.6pp | 73.3%+14.2pp | 82.5%+5.0pp |
| Annual return | 19.55% | 95.22%-75.7pp | 78.13%-58.6pp | 345.43%-325.9pp |
| Employer contribution / active EE | $3,797 | $3,139+20.9% | $2,855+33.0% | $4,764-20.3% |
| Participant deferral / active EE | $6,107 | $4,281+42.6% | $3,885+57.2% | $5,851+4.4% |
| Admin fee / account holder | $79,929 | $6,175+1194.5% | $5,354+1392.9% | $11,599+589.1% |