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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 | $326,226 | $96,643+237.6% | $86,617+276.6% | $139,456+133.9% |
| Participation rate | 94.4% | 74.4%+20.0pp | 71.7%+22.7pp | 80.3%+14.1pp |
| Annual return | 14.58% | 106.57%-92.0pp | 591.91%-577.3pp | 373.45%-358.9pp |
| Employer contribution / active EE | $5,302 | $3,264+62.4% | $3,023+75.4% | $4,753+11.6% |
| Participant deferral / active EE | $12,536 | $4,835+159.3% | $4,437+182.5% | $6,711+86.8% |
| Admin fee / account holder | $1,497 | $6,406-76.6% | $5,613-73.3% | $11,407-86.9% |