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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 | $350,746 | $103,000+240.5% | $90,300+288.4% | $152,885+129.4% |
| Participation rate | 83.3% | 75.9%+7.5pp | 73.3%+10.1pp | 82.5%+0.9pp |
| Annual return | 22.15% | 95.19%-73.0pp | 78.11%-56.0pp | 345.39%-323.2pp |
| Employer contribution / active EE | $8,586 | $3,138+173.6% | $2,854+200.8% | $4,763+80.3% |
| Participant deferral / active EE | $8,551 | $4,281+99.8% | $3,884+120.1% | $5,851+46.2% |
| Admin fee / account holder | $5,977 | $6,173-3.2% | $5,353+11.7% | $11,598-48.5% |