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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 | $319,292 | $160,028+99.5% | $147,080+117.1% | $145,884+118.9% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 13.87% | 98.60%-84.7pp | 420.17%-406.3pp | 551.85%-538.0pp |
| Employer contribution / active EE | $18,559 | $5,286+251.1% | $4,933+276.2% | $4,662+298.1% |
| Participant deferral / active EE | $49,057 | $8,422+482.5% | $8,066+508.2% | $6,690+633.3% |
| Admin fee / account holder | $30,439 | $15,030+102.5% | $12,989+134.3% | $13,392+127.3% |