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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 | $404,142 | $160,070+152.5% | $147,117+174.7% | $145,897+177.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.22% | 98.69%-84.5pp | 420.54%-406.3pp | 552.29%-538.1pp |
| Employer contribution / active EE | $11,343 | $5,285+114.7% | $4,932+130.0% | $4,663+143.3% |
| Participant deferral / active EE | $12,257 | $8,419+45.6% | $8,065+52.0% | $6,689+83.2% |
| Admin fee / account holder | $3,751 | $15,035-75.1% | $12,993-71.1% | $13,390-72.0% |