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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 | $159,934+104.9% | $147,005+123.0% | $145,959+124.6% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 22.21% | 98.24%-76.0pp | 418.76%-396.6pp | 561.95%-539.7pp |
| Employer contribution / active EE | $15,242 | $5,287+188.3% | $4,934+208.9% | $4,661+227.0% |
| Participant deferral / active EE | $7,625 | $8,427-9.5% | $8,070-5.5% | $6,689+14.0% |
| Admin fee / account holder | $5,761 | $15,053-61.7% | $13,006-55.7% | $13,398-57.0% |