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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 | $477,612 | $160,028+198.5% | $147,080+224.7% | $145,884+227.4% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 16.38% | 98.60%-82.2pp | 420.17%-403.8pp | 551.85%-535.5pp |
| Employer contribution / active EE | $3,490 | $5,286-34.0% | $4,933-29.3% | $4,662-25.1% |
| Participant deferral / active EE | $8,999 | $8,422+6.8% | $8,066+11.6% | $6,690+34.5% |
| Admin fee / account holder | $35,196 | $15,030+134.2% | $12,989+171.0% | $13,392+162.8% |