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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 | $250,875 | $160,040+56.8% | $147,096+70.6% | $145,877+72.0% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 16.22% | 98.49%-82.3pp | 419.75%-403.5pp | 551.28%-535.1pp |
| Employer contribution / active EE | $4,331 | $5,289-18.1% | $4,936-12.3% | $4,663-7.1% |
| Participant deferral / active EE | $12,504 | $8,429+48.3% | $8,071+54.9% | $6,691+86.9% |
| Admin fee / account holder | $3,802 | $15,050-74.7% | $13,005-70.8% | $13,402-71.6% |