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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 | $282,497 | $160,070+76.5% | $147,117+92.0% | $145,897+93.6% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 14.29% | 98.69%-84.4pp | 420.54%-406.2pp | 552.29%-538.0pp |
| Employer contribution / active EE | $12,991 | $5,285+145.8% | $4,932+163.4% | $4,663+178.6% |
| Participant deferral / active EE | $18,571 | $8,419+120.6% | $8,065+130.3% | $6,689+177.6% |
| Admin fee / account holder | $1,399 | $15,035-90.7% | $12,993-89.2% | $13,390-89.5% |