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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 | $359,082 | $160,070+124.3% | $147,117+144.1% | $145,897+146.1% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 11.33% | 98.69%-87.4pp | 420.54%-409.2pp | 552.29%-541.0pp |
| Employer contribution / active EE | $3,000 | $5,285-43.2% | $4,932-39.2% | $4,663-35.7% |
| Participant deferral / active EE | $7,843 | $8,419-6.8% | $8,065-2.8% | $6,689+17.2% |
| Admin fee / account holder | $5,251 | $15,035-65.1% | $12,993-59.6% | $13,390-60.8% |