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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 | $345,098 | $160,070+115.6% | $147,117+134.6% | $145,897+136.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.81% | 98.69%-84.9pp | 420.54%-406.7pp | 552.29%-538.5pp |
| Employer contribution / active EE | $5,304 | $5,285+0.4% | $4,932+7.5% | $4,663+13.7% |
| Participant deferral / active EE | $4,473 | $8,419-46.9% | $8,065-44.5% | $6,689-33.1% |
| Admin fee / account holder | $28,161 | $15,035+87.3% | $12,993+116.7% | $13,390+110.3% |