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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 | $282,765 | $160,070+76.7% | $147,117+92.2% | $145,897+93.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.39% | 98.69%-87.3pp | 420.54%-409.2pp | 552.29%-540.9pp |
| Employer contribution / active EE | $5,691 | $5,285+7.7% | $4,932+15.4% | $4,663+22.0% |
| Participant deferral / active EE | $4,229 | $8,419-49.8% | $8,065-47.6% | $6,689-36.8% |
| Admin fee / account holder | $3,027 | $15,035-79.9% | $12,993-76.7% | $13,390-77.4% |