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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 | $263,290 | $160,070+64.5% | $147,117+79.0% | $145,897+80.5% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 34.75% | 98.69%-63.9pp | 420.54%-385.8pp | 552.29%-517.5pp |
| Employer contribution / active EE | $7,016 | $5,285+32.8% | $4,932+42.2% | $4,663+50.5% |
| Participant deferral / active EE | $10,848 | $8,419+28.8% | $8,065+34.5% | $6,689+62.2% |
| Admin fee / account holder | $8,209 | $15,035-45.4% | $12,993-36.8% | $13,390-38.7% |