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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 | $254,449 | $160,070+59.0% | $147,117+73.0% | $145,897+74.4% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 16.15% | 98.69%-82.5pp | 420.54%-404.4pp | 552.29%-536.1pp |
| Employer contribution / active EE | $3,000 | $5,285-43.2% | $4,932-39.2% | $4,663-35.7% |
| Participant deferral / active EE | $10,624 | $8,419+26.2% | $8,065+31.7% | $6,689+58.8% |
| Admin fee / account holder | $346 | $15,035-97.7% | $12,993-97.3% | $13,390-97.4% |