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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 | $299,046 | $160,070+86.8% | $147,117+103.3% | $145,897+105.0% |
| Participation rate | 76.5% | 84.0%-7.6pp | 82.2%-5.7pp | 80.3%-3.8pp |
| Annual return | 19.59% | 98.69%-79.1pp | 420.54%-400.9pp | 552.29%-532.7pp |
| Employer contribution / active EE | $5,057 | $5,285-4.3% | $4,932+2.5% | $4,663+8.5% |
| Participant deferral / active EE | $13,288 | $8,419+57.8% | $8,065+64.8% | $6,689+98.7% |
| Admin fee / account holder | $3,659 | $15,035-75.7% | $12,993-71.8% | $13,390-72.7% |