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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 | $362,898 | $102,595+253.7% | $94,057+285.8% | $154,746+134.5% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 16.75% | 583.42%-566.7pp | 480.62%-463.9pp | 172.34%-155.6pp |
| Employer contribution / active EE | $8,879 | $3,147+182.1% | $2,933+202.7% | $4,379+102.8% |
| Participant deferral / active EE | $6,453 | $5,118+26.1% | $4,709+37.0% | $6,730-4.1% |
| Admin fee / account holder | $5,841 | $7,736-24.5% | $7,244-19.4% | $14,365-59.3% |