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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 | $160,028+64.5% | $147,080+79.0% | $145,884+80.5% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 34.75% | 98.60%-63.8pp | 420.17%-385.4pp | 551.85%-517.1pp |
| Employer contribution / active EE | $7,016 | $5,286+32.7% | $4,933+42.2% | $4,662+50.5% |
| Participant deferral / active EE | $10,848 | $8,422+28.8% | $8,066+34.5% | $6,690+62.2% |
| Admin fee / account holder | $8,209 | $15,030-45.4% | $12,989-36.8% | $13,392-38.7% |