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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 | $327,755 | $160,040+104.8% | $147,096+122.8% | $145,877+124.7% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 22.21% | 98.49%-76.3pp | 419.75%-397.5pp | 551.28%-529.1pp |
| Employer contribution / active EE | $15,242 | $5,289+188.2% | $4,936+208.8% | $4,663+226.9% |
| Participant deferral / active EE | $7,625 | $8,429-9.5% | $8,071-5.5% | $6,691+14.0% |
| Admin fee / account holder | $5,761 | $15,050-61.7% | $13,005-55.7% | $13,402-57.0% |