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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 | $275,709 | $160,070+72.2% | $147,117+87.4% | $145,897+89.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.69% | 98.69%-87.0pp | 420.54%-408.8pp | 552.29%-540.6pp |
| Employer contribution / active EE | $9,038 | $5,285+71.0% | $4,932+83.2% | $4,663+93.8% |
| Participant deferral / active EE | $12,088 | $8,419+43.6% | $8,065+49.9% | $6,689+80.7% |
| Admin fee / account holder | $385 | $15,035-97.4% | $12,993-97.0% | $13,390-97.1% |