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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 | $296,107 | $160,028+85.0% | $147,080+101.3% | $145,884+103.0% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 11.50% | 98.60%-87.1pp | 420.17%-408.7pp | 551.85%-540.3pp |
| Employer contribution / active EE | $3,739 | $5,286-29.3% | $4,933-24.2% | $4,662-19.8% |
| Participant deferral / active EE | $11,911 | $8,422+41.4% | $8,066+47.7% | $6,690+78.1% |
| Admin fee / account holder | $8,744 | $15,030-41.8% | $12,989-32.7% | $13,392-34.7% |