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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 | $601,376 | $160,040+275.8% | $147,096+308.8% | $145,877+312.2% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 17.90% | 98.49%-80.6pp | 419.75%-401.8pp | 551.28%-533.4pp |
| Employer contribution / active EE | $1,732 | $5,289-67.3% | $4,936-64.9% | $4,663-62.9% |
| Participant deferral / active EE | $21,402 | $8,429+153.9% | $8,071+165.2% | $6,691+219.9% |
| Admin fee / account holder | $1,902 | $15,050-87.4% | $13,005-85.4% | $13,402-85.8% |