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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 | $293,116 | $168,635+73.8% | $147,617+98.6% | $125,389+133.8% |
| Participation rate | 94.4% | 88.8%+5.7pp | 84.6%+9.8pp | 83.2%+11.3pp |
| Annual return | 0.84% | 77.65%-76.8pp | 61.98%-61.1pp | 282.24%-281.4pp |
| Employer contribution / active EE | $0 | $6,252-100.0% | $5,564-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $9,239 | $5,507+67.8% | $4,895+88.7% | $5,352+72.6% |
| Admin fee / account holder | $44,211 | $13,580+225.6% | $11,612+280.8% | $9,541+363.4% |