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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 | $405,284 | $160,070+153.2% | $147,117+175.5% | $145,897+177.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.51% | 98.69%-88.2pp | 420.54%-410.0pp | 552.29%-541.8pp |
| Employer contribution / active EE | $5,621 | $5,285+6.4% | $4,932+14.0% | $4,663+20.6% |
| Participant deferral / active EE | $16,000 | $8,419+90.0% | $8,065+98.4% | $6,689+139.2% |
| Admin fee / account holder | $29,308 | $15,035+94.9% | $12,993+125.6% | $13,390+118.9% |