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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 | $160,028+291.9% | $147,080+326.4% | $145,884+329.9% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 13.65% | 98.60%-84.9pp | 420.17%-406.5pp | 551.85%-538.2pp |
| Employer contribution / active EE | $4,687 | $5,286-11.3% | $4,933-5.0% | $4,662+0.5% |
| Participant deferral / active EE | $16,925 | $8,422+101.0% | $8,066+109.8% | $6,690+153.0% |
| Admin fee / account holder | $5,628 | $15,030-62.6% | $12,989-56.7% | $13,392-58.0% |