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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 | $335,637 | $160,070+109.7% | $147,117+128.1% | $145,897+130.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 34.08% | 98.69%-64.6pp | 420.54%-386.5pp | 552.29%-518.2pp |
| Employer contribution / active EE | $6,092 | $5,285+15.3% | $4,932+23.5% | $4,663+30.6% |
| Participant deferral / active EE | $11,905 | $8,419+41.4% | $8,065+47.6% | $6,689+78.0% |
| Admin fee / account holder | $13,174 | $15,035-12.4% | $12,993+1.4% | $13,390-1.6% |