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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 | $413,732 | $160,040+158.5% | $147,096+181.3% | $145,877+183.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.88% | 98.49%-87.6pp | 419.75%-408.9pp | 551.28%-540.4pp |
| Employer contribution / active EE | $1,995 | $5,289-62.3% | $4,936-59.6% | $4,663-57.2% |
| Participant deferral / active EE | $7,593 | $8,429-9.9% | $8,071-5.9% | $6,691+13.5% |
| Admin fee / account holder | $497 | $15,050-96.7% | $13,005-96.2% | $13,402-96.3% |