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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 | $258,492 | $160,070+61.5% | $147,117+75.7% | $145,897+77.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.04% | 98.69%-85.6pp | 420.54%-407.5pp | 552.29%-539.2pp |
| Employer contribution / active EE | $3,022 | $5,285-42.8% | $4,932-38.7% | $4,663-35.2% |
| Participant deferral / active EE | $8,300 | $8,419-1.4% | $8,065+2.9% | $6,689+24.1% |
| Admin fee / account holder | $8,142 | $15,035-45.9% | $12,993-37.3% | $13,390-39.2% |