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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 | $370,366 | $129,737+185.5% | $119,126+210.9% | $154,746+139.3% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 15.02% | 379.08%-364.1pp | 282.11%-267.1pp | 172.34%-157.3pp |
| Employer contribution / active EE | $12,091 | $4,375+176.4% | $4,034+199.8% | $4,379+176.1% |
| Participant deferral / active EE | $16,769 | $5,842+187.0% | $5,318+215.3% | $6,730+149.2% |
| Admin fee / account holder | $1,430 | $11,961-88.0% | $10,693-86.6% | $14,365-90.0% |