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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 | $627,158 | $160,040+291.9% | $147,096+326.4% | $145,877+329.9% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 13.65% | 98.49%-84.8pp | 419.75%-406.1pp | 551.28%-537.6pp |
| Employer contribution / active EE | $4,687 | $5,289-11.4% | $4,936-5.0% | $4,663+0.5% |
| Participant deferral / active EE | $16,925 | $8,429+100.8% | $8,071+109.7% | $6,691+153.0% |
| Admin fee / account holder | $5,628 | $15,050-62.6% | $13,005-56.7% | $13,402-58.0% |