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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 | $291,431 | $160,070+82.1% | $147,117+98.1% | $145,897+99.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 23.80% | 98.69%-74.9pp | 420.54%-396.7pp | 552.29%-528.5pp |
| Employer contribution / active EE | $10,476 | $5,285+98.2% | $4,932+112.4% | $4,663+124.7% |
| Participant deferral / active EE | $17,833 | $8,419+111.8% | $8,065+121.1% | $6,689+166.6% |
| Admin fee / account holder | $12,531 | $15,035-16.7% | $12,993-3.6% | $13,390-6.4% |