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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 | $385,378 | $160,070+140.8% | $147,117+162.0% | $145,897+164.1% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 17.85% | 98.69%-80.8pp | 420.54%-402.7pp | 552.29%-534.4pp |
| Employer contribution / active EE | $5,196 | $5,285-1.7% | $4,932+5.3% | $4,663+11.4% |
| Participant deferral / active EE | $10,153 | $8,419+20.6% | $8,065+25.9% | $6,689+51.8% |
| Admin fee / account holder | $2,241 | $15,035-85.1% | $12,993-82.8% | $13,390-83.3% |