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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 | $415,438 | $160,070+159.5% | $147,117+182.4% | $145,897+184.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.69% | 98.69%-88.0pp | 420.54%-409.8pp | 552.29%-541.6pp |
| Employer contribution / active EE | $4,053 | $5,285-23.3% | $4,932-17.8% | $4,663-13.1% |
| Participant deferral / active EE | $10,998 | $8,419+30.6% | $8,065+36.4% | $6,689+64.4% |
| Admin fee / account holder | $566 | $15,035-96.2% | $12,993-95.6% | $13,390-95.8% |