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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 | $327,098 | $160,070+104.3% | $147,117+122.3% | $145,897+124.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.76% | 98.69%-86.9pp | 420.54%-408.8pp | 552.29%-540.5pp |
| Employer contribution / active EE | $6,530 | $5,285+23.6% | $4,932+32.4% | $4,663+40.1% |
| Participant deferral / active EE | $13,672 | $8,419+62.4% | $8,065+69.5% | $6,689+104.4% |
| Admin fee / account holder | $1,442 | $15,035-90.4% | $12,993-88.9% | $13,390-89.2% |