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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 | $353,446 | $152,612+131.6% | $125,192+182.3% | $152,897+131.2% |
| Participation rate | 71.4% | 83.3%-11.9pp | 79.8%-8.4pp | 82.5%-11.0pp |
| Annual return | 19.51% | 54.85%-35.3pp | 43.79%-24.3pp | 345.43%-325.9pp |
| Employer contribution / active EE | $9,042 | $4,947+82.8% | $3,866+133.9% | $4,764+89.8% |
| Participant deferral / active EE | $15,811 | $5,868+169.4% | $4,937+220.2% | $5,851+170.2% |
| Admin fee / account holder | $17,094 | $13,437+27.2% | $9,704+76.2% | $11,599+47.4% |