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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 | $281,614 | $160,070+75.9% | $147,117+91.4% | $145,897+93.0% |
| Participation rate | 92.9% | 84.0%+8.8pp | 82.2%+10.7pp | 80.3%+12.6pp |
| Annual return | 29.24% | 98.69%-69.5pp | 420.54%-391.3pp | 552.29%-523.1pp |
| Employer contribution / active EE | $5,930 | $5,285+12.2% | $4,932+20.2% | $4,663+27.2% |
| Participant deferral / active EE | $17,731 | $8,419+110.6% | $8,065+119.9% | $6,689+165.1% |
| Admin fee / account holder | $14,435 | $15,035-4.0% | $12,993+11.1% | $13,390+7.8% |