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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 | $527,538 | $160,070+229.6% | $147,117+258.6% | $145,897+261.6% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.8pp | 80.3%-8.9pp |
| Annual return | 9.75% | 98.69%-88.9pp | 420.54%-410.8pp | 552.29%-542.5pp |
| Employer contribution / active EE | $7,944 | $5,285+50.3% | $4,932+61.0% | $4,663+70.4% |
| Participant deferral / active EE | $10,330 | $8,419+22.7% | $8,065+28.1% | $6,689+54.4% |
| Admin fee / account holder | $3,784 | $15,035-74.8% | $12,993-70.9% | $13,390-71.7% |