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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 | $333,313 | $160,028+108.3% | $147,080+126.6% | $145,884+128.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 108.18% | 98.60%+9.6pp | 420.17%-312.0pp | 551.85%-443.7pp |
| Employer contribution / active EE | $3,578 | $5,286-32.3% | $4,933-27.5% | $4,662-23.3% |
| Participant deferral / active EE | $11,418 | $8,422+35.6% | $8,066+41.5% | $6,690+70.7% |
| Admin fee / account holder | $3,339 | $15,030-77.8% | $12,989-74.3% | $13,392-75.1% |