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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 | $320,381 | $124,187+158.0% | $108,410+195.5% | $167,518+91.3% |
| Participation rate | 77.8% | 82.3%-4.5pp | 80.1%-2.4pp | 82.1%-4.3pp |
| Annual return | 17.45% | 1379.80%-1362.4pp | 905.34%-887.9pp | 478.71%-461.3pp |
| Employer contribution / active EE | $5,099 | $4,187+21.8% | $3,558+43.3% | $4,838+5.4% |
| Participant deferral / active EE | $12,299 | $6,908+78.0% | $6,562+87.4% | $6,342+93.9% |
| Admin fee / account holder | $2,640 | $9,456-72.1% | $7,296-63.8% | $12,312-78.6% |