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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 | $265,387 | $160,028+65.8% | $147,080+80.4% | $145,884+81.9% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 10.28% | 98.60%-88.3pp | 420.17%-409.9pp | 551.85%-541.6pp |
| Employer contribution / active EE | $5,620 | $5,286+6.3% | $4,933+13.9% | $4,662+20.5% |
| Participant deferral / active EE | $8,434 | $8,422+0.1% | $8,066+4.6% | $6,690+26.1% |
| Admin fee / account holder | $7,883 | $15,030-47.5% | $12,989-39.3% | $13,392-41.1% |