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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 | $346,990 | $160,070+116.8% | $147,117+135.9% | $145,897+137.8% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 14.80% | 98.69%-83.9pp | 420.54%-405.7pp | 552.29%-537.5pp |
| Employer contribution / active EE | $5,462 | $5,285+3.4% | $4,932+10.7% | $4,663+17.1% |
| Participant deferral / active EE | $24,221 | $8,419+187.7% | $8,065+200.3% | $6,689+262.1% |
| Admin fee / account holder | $3,054 | $15,035-79.7% | $12,993-76.5% | $13,390-77.2% |