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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 | $294,233 | $160,028+83.9% | $147,080+100.0% | $145,884+101.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.11% | 98.60%-87.5pp | 420.17%-409.1pp | 551.85%-540.7pp |
| Employer contribution / active EE | $22,123 | $5,286+318.5% | $4,933+348.4% | $4,662+374.5% |
| Participant deferral / active EE | $15,483 | $8,422+83.8% | $8,066+91.9% | $6,690+131.4% |
| Admin fee / account holder | $642 | $15,030-95.7% | $12,989-95.1% | $13,392-95.2% |