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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 | $329,726 | $102,429+221.9% | $147,096+124.2% | $80,925+307.4% |
| Participation rate | 84.0% | 75.9%+8.1pp | 82.2%+1.8pp | 67.7%+16.3pp |
| Annual return | 13.64% | 135.02%-121.4pp | 419.75%-406.1pp | 35.65%-22.0pp |
| Employer contribution / active EE | $11,728 | $3,716+215.7% | $4,936+137.6% | $2,756+325.5% |
| Participant deferral / active EE | $13,780 | $6,649+107.3% | $8,071+70.7% | $4,299+220.6% |
| Admin fee / account holder | $25,784 | $7,957+224.1% | $13,005+98.3% | $6,940+271.5% |