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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 | $160,028+59.0% | $147,080+73.0% | $145,884+74.4% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 16.15% | 98.60%-82.5pp | 420.17%-404.0pp | 551.85%-535.7pp |
| Employer contribution / active EE | $3,000 | $5,286-43.2% | $4,933-39.2% | $4,662-35.6% |
| Participant deferral / active EE | $10,624 | $8,422+26.1% | $8,066+31.7% | $6,690+58.8% |
| Admin fee / account holder | $346 | $15,030-97.7% | $12,989-97.3% | $13,392-97.4% |