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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 | $250,499 | $171,492+46.1% | $150,734+66.2% | $198,609+26.1% |
| Participation rate | 75.0% | 81.4%-6.4pp | 78.4%-3.4pp | 82.4%-7.4pp |
| Annual return | 18.51% | 804.70%-786.2pp | 600.81%-582.3pp | 202.70%-184.2pp |
| Employer contribution / active EE | $2,207 | $5,470-59.7% | $4,918-55.1% | $5,055-56.4% |
| Participant deferral / active EE | $3,618 | $6,259-42.2% | $5,610-35.5% | $6,977-48.1% |
| Admin fee / account holder | $6,006 | $17,628-65.9% | $14,905-59.7% | $19,030-68.4% |