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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 | $264,774 | $159,934+65.6% | $147,005+80.1% | $145,959+81.4% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.6pp | 80.3%+5.4pp |
| Annual return | 13.89% | 98.24%-84.4pp | 418.76%-404.9pp | 561.95%-548.1pp |
| Employer contribution / active EE | $1,786 | $5,287-66.2% | $4,934-63.8% | $4,661-61.7% |
| Participant deferral / active EE | $7,478 | $8,427-11.3% | $8,070-7.3% | $6,689+11.8% |
| Admin fee / account holder | $38,684 | $15,053+157.0% | $13,006+197.4% | $13,398+188.7% |