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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 | $267,336 | $102,429+161.0% | $147,096+81.7% | $80,925+230.4% |
| Participation rate | 96.0% | 75.9%+20.1pp | 82.2%+13.8pp | 67.7%+28.3pp |
| Annual return | 13.26% | 135.02%-121.8pp | 419.75%-406.5pp | 35.65%-22.4pp |
| Employer contribution / active EE | $12,637 | $3,716+240.1% | $4,936+156.0% | $2,756+358.5% |
| Participant deferral / active EE | $11,888 | $6,649+78.8% | $8,071+47.3% | $4,299+176.5% |
| Admin fee / account holder | $17,342 | $7,957+118.0% | $13,005+33.3% | $6,940+149.9% |