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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 | $527,108 | $138,114+281.6% | $125,391+320.4% | $134,545+291.8% |
| Participation rate | 75.0% | 84.5%-9.5pp | 82.4%-7.4pp | 81.2%-6.2pp |
| Annual return | 2.03% | 750.88%-748.9pp | 572.41%-570.4pp | 418.37%-416.3pp |
| Employer contribution / active EE | $24,349 | $5,246+364.1% | $4,816+405.6% | $4,742+413.5% |
| Participant deferral / active EE | $18,930 | $7,801+142.7% | $7,448+154.1% | $6,401+195.7% |
| Admin fee / account holder | $7,204 | $11,570-37.7% | $10,009-28.0% | $11,431-37.0% |