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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 | $324,399 | $160,070+102.7% | $147,117+120.5% | $145,897+122.3% |
| Participation rate | 89.5% | 84.0%+5.4pp | 82.2%+7.3pp | 80.3%+9.2pp |
| Annual return | 11.48% | 98.69%-87.2pp | 420.54%-409.1pp | 552.29%-540.8pp |
| Employer contribution / active EE | $10,296 | $5,285+94.8% | $4,932+108.7% | $4,663+120.8% |
| Participant deferral / active EE | $10,723 | $8,419+27.4% | $8,065+33.0% | $6,689+60.3% |
| Admin fee / account holder | $3,147 | $15,035-79.1% | $12,993-75.8% | $13,390-76.5% |