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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 | $388,948 | $160,040+143.0% | $147,096+164.4% | $145,877+166.6% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 17.84% | 98.49%-80.7pp | 419.75%-401.9pp | 551.28%-533.4pp |
| Employer contribution / active EE | $21,662 | $5,289+309.5% | $4,936+338.9% | $4,663+364.6% |
| Participant deferral / active EE | $8,469 | $8,429+0.5% | $8,071+4.9% | $6,691+26.6% |
| Admin fee / account holder | $2,640 | $15,050-82.5% | $13,005-79.7% | $13,402-80.3% |