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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 | $338,540 | $149,040+127.1% | $120,225+181.6% | $137,256+146.6% |
| Participation rate | 80.0% | 75.4%+4.6pp | 69.6%+10.4pp | 80.0%0pp |
| Annual return | 21.96% | 605.68%-583.7pp | 439.23%-417.3pp | 220.34%-198.4pp |
| Employer contribution / active EE | $2,892 | $4,350-33.5% | $3,475-16.8% | $4,156-30.4% |
| Participant deferral / active EE | $6,931 | $4,655+48.9% | $3,999+73.3% | $6,407+8.2% |
| Admin fee / account holder | $557 | $6,348-91.2% | $5,696-90.2% | $12,270-95.5% |