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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 | $426,574 | $159,978+166.6% | $147,041+190.1% | $145,978+192.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.17% | 98.36%-83.2pp | 419.21%-404.0pp | 550.52%-535.3pp |
| Employer contribution / active EE | $12,541 | $5,288+137.1% | $4,935+154.1% | $4,662+169.0% |
| Participant deferral / active EE | $8,092 | $8,429-4.0% | $8,071+0.3% | $6,690+21.0% |
| Admin fee / account holder | $3,601 | $15,053-76.1% | $13,006-72.3% | $13,400-73.1% |