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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 | $351,921 | $159,934+120.0% | $147,005+139.4% | $145,959+141.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 24.19% | 98.24%-74.1pp | 418.76%-394.6pp | 561.95%-537.8pp |
| Employer contribution / active EE | $11,327 | $5,287+114.2% | $4,934+129.6% | $4,661+143.0% |
| Participant deferral / active EE | $11,969 | $8,427+42.0% | $8,070+48.3% | $6,689+79.0% |
| Admin fee / account holder | $1,671 | $15,053-88.9% | $13,006-87.2% | $13,398-87.5% |