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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 | $370,452 | $183,988+101.3% | $162,177+128.4% | $152,897+142.3% |
| Participation rate | 92.3% | 88.5%+3.8pp | 87.6%+4.8pp | 82.5%+9.9pp |
| Annual return | 24.39% | 150.79%-126.4pp | 115.60%-91.2pp | 345.43%-321.0pp |
| Employer contribution / active EE | $13,740 | $6,370+115.7% | $5,613+144.8% | $4,764+188.4% |
| Participant deferral / active EE | $17,188 | $8,032+114.0% | $7,297+135.6% | $5,851+193.8% |
| Admin fee / account holder | $6,072 | $13,123-53.7% | $10,843-44.0% | $11,599-47.7% |