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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 | $290,451 | $160,070+81.5% | $147,117+97.4% | $145,897+99.1% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 15.15% | 98.69%-83.5pp | 420.54%-405.4pp | 552.29%-537.1pp |
| Employer contribution / active EE | $19,403 | $5,285+267.2% | $4,932+293.4% | $4,663+316.1% |
| Participant deferral / active EE | $12,570 | $8,419+49.3% | $8,065+55.9% | $6,689+87.9% |
| Admin fee / account holder | $2,706 | $15,035-82.0% | $12,993-79.2% | $13,390-79.8% |