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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 | $266,256 | $180,749+47.3% | $160,784+65.6% | $137,256+94.0% |
| Participation rate | 77.8% | 80.0%-2.2pp | 77.0%+0.8pp | 80.0%-2.2pp |
| Annual return | 12.31% | 2234.46%-2222.2pp | 1803.92%-1791.6pp | 220.34%-208.0pp |
| Employer contribution / active EE | $1,870 | $4,155-55.0% | $3,733-49.9% | $4,156-55.0% |
| Participant deferral / active EE | $4,247 | $6,844-37.9% | $6,293-32.5% | $6,407-33.7% |
| Admin fee / account holder | $41,974 | $10,397+303.7% | $9,717+332.0% | $12,270+242.1% |