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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 | $267,068 | $159,978+66.9% | $147,041+81.6% | $145,978+83.0% |
| Participation rate | 94.1% | 84.0%+10.1pp | 82.2%+11.9pp | 80.3%+13.8pp |
| Annual return | 16.00% | 98.36%-82.4pp | 419.21%-403.2pp | 550.52%-534.5pp |
| Employer contribution / active EE | $4,747 | $5,288-10.2% | $4,935-3.8% | $4,662+1.8% |
| Participant deferral / active EE | $12,542 | $8,429+48.8% | $8,071+55.4% | $6,690+87.5% |
| Admin fee / account holder | $4,484 | $15,053-70.2% | $13,006-65.5% | $13,400-66.5% |