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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 | $292,882 | $160,040+83.0% | $147,096+99.1% | $145,877+100.8% |
| Participation rate | 70.0% | 84.0%-14.0pp | 82.2%-12.2pp | 80.3%-10.3pp |
| Annual return | 11.33% | 98.49%-87.2pp | 419.75%-408.4pp | 551.28%-540.0pp |
| Employer contribution / active EE | $1,745 | $5,289-67.0% | $4,936-64.7% | $4,663-62.6% |
| Participant deferral / active EE | $12,109 | $8,429+43.7% | $8,071+50.0% | $6,691+81.0% |
| Admin fee / account holder | $19,125 | $15,050+27.1% | $13,005+47.1% | $13,402+42.7% |