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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 | $319,268 | $160,040+99.5% | $147,096+117.0% | $145,877+118.9% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.8pp | 80.3%-8.9pp |
| Annual return | 13.72% | 98.49%-84.8pp | 419.75%-406.0pp | 551.28%-537.6pp |
| Employer contribution / active EE | $11,785 | $5,289+122.8% | $4,936+138.8% | $4,663+152.7% |
| Participant deferral / active EE | $12,865 | $8,429+52.6% | $8,071+59.4% | $6,691+92.3% |
| Admin fee / account holder | $1,064 | $15,050-92.9% | $13,005-91.8% | $13,402-92.1% |