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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 | $259,658 | $138,102+88.0% | $125,381+107.1% | $134,532+93.0% |
| Participation rate | 85.7% | 84.5%+1.2pp | 82.4%+3.3pp | 81.2%+4.5pp |
| Annual return | 4.10% | 750.73%-746.6pp | 572.31%-568.2pp | 418.27%-414.2pp |
| Employer contribution / active EE | $4,070 | $5,245-22.4% | $4,815-15.5% | $4,741-14.2% |
| Participant deferral / active EE | $9,679 | $7,801+24.1% | $7,448+30.0% | $6,401+51.2% |
| Admin fee / account holder | $6,111 | $11,568-47.2% | $10,007-38.9% | $11,429-46.5% |