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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 | $325,654 | $110,551+194.6% | $80,741+303.3% | $167,518+94.4% |
| Participation rate | 80.0% | 64.0%+16.0pp | 54.2%+25.8pp | 82.1%-2.1pp |
| Annual return | 245.25% | 120.57%+124.7pp | 87.30%+157.9pp | 478.71%-233.5pp |
| Employer contribution / active EE | $1,349 | $1,543-12.5% | $1,160+16.3% | $4,838-72.1% |
| Participant deferral / active EE | $2,158 | $2,870-24.8% | $2,145+0.6% | $6,342-66.0% |
| Admin fee / account holder | $170,299 | $4,547+3645.5% | $3,380+4937.9% | $12,312+1283.1% |