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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 | $376,944 | $103,949+262.6% | $69,182+444.9% | $273,972+37.6% |
| Participation rate | 91.7% | 67.4%+24.3pp | 55.1%+36.6pp | 83.0%+8.7pp |
| Annual return | 124.09% | 35.28%+88.8pp | -21.93%+146.0pp | 41.46%+82.6pp |
| Employer contribution / active EE | $1,255 | $1,783-29.6% | $1,206+4.1% | $4,869-74.2% |
| Participant deferral / active EE | $10,439 | $2,716+284.3% | $1,897+450.3% | $5,287+97.4% |
| Admin fee / account holder | $5,388 | $3,671+46.8% | $2,697+99.8% | $10,133-46.8% |