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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 | $321,428 | $160,070+100.8% | $147,117+118.5% | $145,897+120.3% |
| Participation rate | 72.7% | 84.0%-11.3pp | 82.2%-9.5pp | 80.3%-7.6pp |
| Annual return | 16.35% | 98.69%-82.3pp | 420.54%-404.2pp | 552.29%-535.9pp |
| Employer contribution / active EE | $4,837 | $5,285-8.5% | $4,932-1.9% | $4,663+3.7% |
| Participant deferral / active EE | $13,001 | $8,419+54.4% | $8,065+61.2% | $6,689+94.4% |
| Admin fee / account holder | $9,889 | $15,035-34.2% | $12,993-23.9% | $13,390-26.1% |