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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 | $256,914 | $160,040+60.5% | $147,096+74.7% | $145,877+76.1% |
| Participation rate | 73.3% | 84.0%-10.7pp | 82.2%-8.8pp | 80.3%-7.0pp |
| Annual return | 15.78% | 98.49%-82.7pp | 419.75%-404.0pp | 551.28%-535.5pp |
| Employer contribution / active EE | $4,320 | $5,289-18.3% | $4,936-12.5% | $4,663-7.4% |
| Participant deferral / active EE | $9,808 | $8,429+16.4% | $8,071+21.5% | $6,691+46.6% |
| Admin fee / account holder | $44,009 | $15,050+192.4% | $13,005+238.4% | $13,402+228.4% |