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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 | $264,400 | $160,070+65.2% | $147,117+79.7% | $145,897+81.2% |
| Participation rate | 72.2% | 84.0%-11.8pp | 82.2%-10.0pp | 80.3%-8.1pp |
| Annual return | 12.04% | 98.69%-86.6pp | 420.54%-408.5pp | 552.29%-540.2pp |
| Employer contribution / active EE | $4,128 | $5,285-21.9% | $4,932-16.3% | $4,663-11.5% |
| Participant deferral / active EE | $9,842 | $8,419+16.9% | $8,065+22.0% | $6,689+47.1% |
| Admin fee / account holder | $17,435 | $15,035+16.0% | $12,993+34.2% | $13,390+30.2% |