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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 | $349,659 | $160,070+118.4% | $147,117+137.7% | $145,897+139.7% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 14.81% | 98.69%-83.9pp | 420.54%-405.7pp | 552.29%-537.5pp |
| Employer contribution / active EE | $12,548 | $5,285+137.4% | $4,932+154.4% | $4,663+169.1% |
| Participant deferral / active EE | $17,921 | $8,419+112.8% | $8,065+122.2% | $6,689+167.9% |
| Admin fee / account holder | $8,556 | $15,035-43.1% | $12,993-34.1% | $13,390-36.1% |