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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 | $282,712 | $88,778+218.4% | $81,844+245.4% | $145,884+93.8% |
| Participation rate | 72.2% | 75.1%-2.8pp | 72.4%-0.2pp | 80.3%-8.1pp |
| Annual return | 13.40% | 1033.03%-1019.6pp | 778.87%-765.5pp | 551.85%-538.4pp |
| Employer contribution / active EE | $2,412 | $3,087-21.9% | $2,916-17.3% | $4,662-48.3% |
| Participant deferral / active EE | $6,302 | $4,648+35.6% | $4,323+45.8% | $6,690-5.8% |
| Admin fee / account holder | $3,091 | $8,430-63.3% | $7,355-58.0% | $13,392-76.9% |