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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 | $159,934+99.6% | $147,005+117.2% | $145,959+118.7% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.7pp | 80.3%-8.9pp |
| Annual return | 13.72% | 98.24%-84.5pp | 418.76%-405.0pp | 561.95%-548.2pp |
| Employer contribution / active EE | $11,785 | $5,287+122.9% | $4,934+138.8% | $4,661+152.9% |
| Participant deferral / active EE | $12,865 | $8,427+52.7% | $8,070+59.4% | $6,689+92.3% |
| Admin fee / account holder | $1,064 | $15,053-92.9% | $13,006-91.8% | $13,398-92.1% |