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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 | $275,802 | $160,028+72.3% | $147,080+87.5% | $145,884+89.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.18% | 98.60%-86.4pp | 420.17%-408.0pp | 551.85%-539.7pp |
| Employer contribution / active EE | $3,704 | $5,286-29.9% | $4,933-24.9% | $4,662-20.6% |
| Participant deferral / active EE | $11,895 | $8,422+41.2% | $8,066+47.5% | $6,690+77.8% |
| Admin fee / account holder | $4,708 | $15,030-68.7% | $12,989-63.7% | $13,392-64.8% |