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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 | $441,985 | $109,863+302.3% | $98,477+348.8% | $167,518+163.8% |
| Participation rate | 80.0% | 75.8%+4.2pp | 73.3%+6.7pp | 82.1%-2.1pp |
| Annual return | 16.79% | 1958.09%-1941.3pp | 1493.59%-1476.8pp | 478.71%-461.9pp |
| Employer contribution / active EE | $3,676 | $3,225+14.0% | $2,961+24.2% | $4,838-24.0% |
| Participant deferral / active EE | $5,230 | $4,673+11.9% | $4,276+22.3% | $6,342-17.5% |
| Admin fee / account holder | $3,076 | $6,755-54.5% | $5,951-48.3% | $12,312-75.0% |