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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 | $254,093 | $159,934+58.9% | $147,005+72.8% | $145,959+74.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.36% | 98.24%-86.9pp | 418.76%-407.4pp | 561.95%-550.6pp |
| Employer contribution / active EE | $16,063 | $5,287+203.8% | $4,934+225.5% | $4,661+244.6% |
| Participant deferral / active EE | $11,718 | $8,427+39.0% | $8,070+45.2% | $6,689+75.2% |
| Admin fee / account holder | $309 | $15,053-97.9% | $13,006-97.6% | $13,398-97.7% |