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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 | $297,263 | $160,070+85.7% | $147,117+102.1% | $145,897+103.7% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 14.08% | 98.69%-84.6pp | 420.54%-406.5pp | 552.29%-538.2pp |
| Employer contribution / active EE | $3,230 | $5,285-38.9% | $4,932-34.5% | $4,663-30.7% |
| Participant deferral / active EE | $13,075 | $8,419+55.3% | $8,065+62.1% | $6,689+95.5% |
| Admin fee / account holder | $12,158 | $15,035-19.1% | $12,993-6.4% | $13,390-9.2% |