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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 | $346,424 | $160,070+116.4% | $147,117+135.5% | $145,897+137.4% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 11.04% | 98.69%-87.6pp | 420.54%-409.5pp | 552.29%-541.3pp |
| Employer contribution / active EE | $2,229 | $5,285-57.8% | $4,932-54.8% | $4,663-52.2% |
| Participant deferral / active EE | $5,072 | $8,419-39.8% | $8,065-37.1% | $6,689-24.2% |
| Admin fee / account holder | $4,853 | $15,035-67.7% | $12,993-62.6% | $13,390-63.8% |