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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 | $329,674 | $159,934+106.1% | $147,005+124.3% | $145,959+125.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.37% | 98.24%-81.9pp | 418.76%-402.4pp | 561.95%-545.6pp |
| Employer contribution / active EE | $7,812 | $5,287+47.7% | $4,934+58.3% | $4,661+67.6% |
| Participant deferral / active EE | $20,144 | $8,427+139.0% | $8,070+149.6% | $6,689+201.2% |
| Admin fee / account holder | $24,945 | $15,053+65.7% | $13,006+91.8% | $13,398+86.2% |