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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 | $348,155 | $159,934+117.7% | $147,005+136.8% | $145,959+138.5% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 10.51% | 98.24%-87.7pp | 418.76%-408.3pp | 561.95%-551.4pp |
| Employer contribution / active EE | $18,730 | $5,287+254.2% | $4,934+279.6% | $4,661+301.9% |
| Participant deferral / active EE | $12,663 | $8,427+50.3% | $8,070+56.9% | $6,689+89.3% |
| Admin fee / account holder | $2,514 | $15,053-83.3% | $13,006-80.7% | $13,398-81.2% |