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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 | $160,040+86.9% | $147,096+103.3% | $145,877+105.0% |
| Participation rate | 76.5% | 84.0%-7.6pp | 82.2%-5.7pp | 80.3%-3.8pp |
| Annual return | 19.59% | 98.49%-78.9pp | 419.75%-400.2pp | 551.28%-531.7pp |
| Employer contribution / active EE | $5,057 | $5,289-4.4% | $4,936+2.4% | $4,663+8.4% |
| Participant deferral / active EE | $13,288 | $8,429+57.7% | $8,071+64.6% | $6,691+98.6% |
| Admin fee / account holder | $3,659 | $15,050-75.7% | $13,005-71.9% | $13,402-72.7% |