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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 | $253,798 | $160,070+58.6% | $147,117+72.5% | $145,897+74.0% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 12.50% | 98.69%-86.2pp | 420.54%-408.0pp | 552.29%-539.8pp |
| Employer contribution / active EE | $4,708 | $5,285-10.9% | $4,932-4.6% | $4,663+1.0% |
| Participant deferral / active EE | $12,963 | $8,419+54.0% | $8,065+60.7% | $6,689+93.8% |
| Admin fee / account holder | $19,120 | $15,035+27.2% | $12,993+47.2% | $13,390+42.8% |