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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 | $269,423 | $159,978+68.4% | $147,041+83.2% | $145,978+84.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.02% | 98.36%-82.3pp | 419.21%-403.2pp | 550.52%-534.5pp |
| Employer contribution / active EE | $4,778 | $5,288-9.6% | $4,935-3.2% | $4,662+2.5% |
| Participant deferral / active EE | $12,760 | $8,429+51.4% | $8,071+58.1% | $6,690+90.7% |
| Admin fee / account holder | $17,196 | $15,053+14.2% | $13,006+32.2% | $13,400+28.3% |