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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 | $289,910 | $160,070+81.1% | $147,117+97.1% | $145,897+98.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 17.64% | 98.69%-81.0pp | 420.54%-402.9pp | 552.29%-534.6pp |
| Employer contribution / active EE | $15,931 | $5,285+201.5% | $4,932+223.0% | $4,663+241.7% |
| Participant deferral / active EE | $8,775 | $8,419+4.2% | $8,065+8.8% | $6,689+31.2% |
| Admin fee / account holder | $9,814 | $15,035-34.7% | $12,993-24.5% | $13,390-26.7% |