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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 | $251,880 | $159,934+57.5% | $147,005+71.3% | $145,959+72.6% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 11.40% | 98.24%-86.8pp | 418.76%-407.4pp | 561.95%-550.6pp |
| Employer contribution / active EE | $2,123 | $5,287-59.8% | $4,934-57.0% | $4,661-54.4% |
| Participant deferral / active EE | $8,331 | $8,427-1.1% | $8,070+3.2% | $6,689+24.5% |
| Admin fee / account holder | $1,425 | $15,053-90.5% | $13,006-89.0% | $13,398-89.4% |