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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 | $279,780 | $160,028+74.8% | $147,080+90.2% | $145,884+91.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.15% | 98.60%-82.4pp | 420.17%-404.0pp | 551.85%-535.7pp |
| Employer contribution / active EE | $2,983 | $5,286-43.6% | $4,933-39.5% | $4,662-36.0% |
| Participant deferral / active EE | $3,450 | $8,422-59.0% | $8,066-57.2% | $6,690-48.4% |
| Admin fee / account holder | $17,182 | $15,030+14.3% | $12,989+32.3% | $13,392+28.3% |