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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 | $261,938 | $160,028+63.7% | $147,080+78.1% | $145,884+79.6% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 10.72% | 98.60%-87.9pp | 420.17%-409.4pp | 551.85%-541.1pp |
| Employer contribution / active EE | $4,596 | $5,286-13.0% | $4,933-6.8% | $4,662-1.4% |
| Participant deferral / active EE | $4,635 | $8,422-45.0% | $8,066-42.5% | $6,690-30.7% |
| Admin fee / account holder | $2,055 | $15,030-86.3% | $12,989-84.2% | $13,392-84.7% |