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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 | $294,002 | $160,070+83.7% | $147,117+99.8% | $145,897+101.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.36% | 98.69%-88.3pp | 420.54%-410.2pp | 552.29%-541.9pp |
| Employer contribution / active EE | $30,896 | $5,285+484.7% | $4,932+526.4% | $4,663+562.6% |
| Participant deferral / active EE | $20,409 | $8,419+142.4% | $8,065+153.1% | $6,689+205.1% |
| Admin fee / account holder | $12,096 | $15,035-19.6% | $12,993-6.9% | $13,390-9.7% |