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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 | $251,528 | $160,070+57.1% | $147,117+71.0% | $145,897+72.4% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 12.94% | 98.69%-85.7pp | 420.54%-407.6pp | 552.29%-539.4pp |
| Employer contribution / active EE | $11,126 | $5,285+110.5% | $4,932+125.6% | $4,663+138.6% |
| Participant deferral / active EE | $7,770 | $8,419-7.7% | $8,065-3.7% | $6,689+16.2% |
| Admin fee / account holder | $9,885 | $15,035-34.3% | $12,993-23.9% | $13,390-26.2% |