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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 | $350,357 | $111,535+214.1% | $105,223+233.0% | $137,256+155.3% |
| Participation rate | 86.7% | 78.1%+8.6pp | 75.0%+11.6pp | 80.0%+6.7pp |
| Annual return | 14.22% | 237.85%-223.6pp | 180.65%-166.4pp | 220.34%-206.1pp |
| Employer contribution / active EE | $3,359 | $3,939-14.7% | $3,689-8.9% | $4,156-19.2% |
| Participant deferral / active EE | $12,168 | $5,500+121.2% | $5,072+139.9% | $6,407+89.9% |
| Admin fee / account holder | $22,101 | $9,721+127.3% | $8,859+149.5% | $12,270+80.1% |