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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 | $320,021 | $36,948+766.1% | $73,658+334.5% | $87,485+265.8% |
| Participation rate | 77.8% | 46.8%+31.0pp | 57.0%+20.7pp | 68.9%+8.8pp |
| Annual return | 95.78% | 28.64%+67.1pp | 29.72%+66.1pp | 26.06%+69.7pp |
| Employer contribution / active EE | $1,168 | $670+74.3% | $1,032+13.2% | $2,596-55.0% |
| Participant deferral / active EE | $2,741 | $1,379+98.8% | $2,062+32.9% | $4,274-35.9% |
| Admin fee / account holder | $4,765 | $2,531+88.3% | $3,357+42.0% | $7,775-38.7% |