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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 | $329,692 | $160,028+106.0% | $147,080+124.2% | $145,884+126.0% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 13.08% | 98.60%-85.5pp | 420.17%-407.1pp | 551.85%-538.8pp |
| Employer contribution / active EE | $3,094 | $5,286-41.5% | $4,933-37.3% | $4,662-33.6% |
| Participant deferral / active EE | $9,775 | $8,422+16.1% | $8,066+21.2% | $6,690+46.1% |
| Admin fee / account holder | $30,029 | $15,030+99.8% | $12,989+131.2% | $13,392+124.2% |