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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 | $268,173 | $70,366+281.1% | $66,674+302.2% | $138,895+93.1% |
| Participation rate | 85.7% | 76.2%+9.5pp | 73.7%+12.0pp | 79.9%+5.8pp |
| Annual return | 21.02% | 386.41%-365.4pp | 321.24%-300.2pp | 145.39%-124.4pp |
| Employer contribution / active EE | $8,592 | $2,765+210.7% | $2,620+227.9% | $4,194+104.8% |
| Participant deferral / active EE | $7,403 | $4,374+69.2% | $4,084+81.3% | $6,396+15.7% |
| Admin fee / account holder | $532 | $5,262-89.9% | $5,098-89.6% | $12,562-95.8% |