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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 | $251,680 | $160,040+57.3% | $147,096+71.1% | $145,877+72.5% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 15.44% | 98.49%-83.1pp | 419.75%-404.3pp | 551.28%-535.8pp |
| Employer contribution / active EE | $1,475 | $5,289-72.1% | $4,936-70.1% | $4,663-68.4% |
| Participant deferral / active EE | $7,932 | $8,429-5.9% | $8,071-1.7% | $6,691+18.6% |
| Admin fee / account holder | $24,091 | $15,050+60.1% | $13,005+85.2% | $13,402+79.8% |