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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 | $253,094 | $160,070+58.1% | $147,117+72.0% | $145,897+73.5% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 13.59% | 98.69%-85.1pp | 420.54%-407.0pp | 552.29%-538.7pp |
| Employer contribution / active EE | $4,151 | $5,285-21.5% | $4,932-15.8% | $4,663-11.0% |
| Participant deferral / active EE | $12,225 | $8,419+45.2% | $8,065+51.6% | $6,689+82.7% |
| Admin fee / account holder | $9,802 | $15,035-34.8% | $12,993-24.6% | $13,390-26.8% |