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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 | $338,838 | $160,070+111.7% | $147,117+130.3% | $145,897+132.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.33% | 98.69%-88.4pp | 420.54%-410.2pp | 552.29%-542.0pp |
| Employer contribution / active EE | $22,177 | $5,285+319.7% | $4,932+349.6% | $4,663+375.6% |
| Participant deferral / active EE | $16,983 | $8,419+101.7% | $8,065+110.6% | $6,689+153.9% |
| Admin fee / account holder | $32,750 | $15,035+117.8% | $12,993+152.1% | $13,390+144.6% |