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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 | $285,864 | $160,040+78.6% | $147,096+94.3% | $145,877+96.0% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 15.46% | 98.49%-83.0pp | 419.75%-404.3pp | 551.28%-535.8pp |
| Employer contribution / active EE | $2,893 | $5,289-45.3% | $4,936-41.4% | $4,663-38.0% |
| Participant deferral / active EE | $4,775 | $8,429-43.4% | $8,071-40.8% | $6,691-28.6% |
| Admin fee / account holder | $2,182 | $15,050-85.5% | $13,005-83.2% | $13,402-83.7% |