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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 | $268,032 | $159,934+67.6% | $147,005+82.3% | $145,959+83.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.15% | 98.24%-82.1pp | 418.76%-402.6pp | 561.95%-545.8pp |
| Employer contribution / active EE | $6,739 | $5,287+27.5% | $4,934+36.6% | $4,661+44.6% |
| Participant deferral / active EE | $22,045 | $8,427+161.6% | $8,070+173.2% | $6,689+229.6% |
| Admin fee / account holder | $2,582 | $15,053-82.8% | $13,006-80.1% | $13,398-80.7% |