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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 | $378,883 | $160,070+136.7% | $147,117+157.5% | $145,897+159.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.03% | 98.69%-83.7pp | 420.54%-405.5pp | 552.29%-537.3pp |
| Employer contribution / active EE | $11,878 | $5,285+124.8% | $4,932+140.8% | $4,663+154.7% |
| Participant deferral / active EE | $11,546 | $8,419+37.1% | $8,065+43.2% | $6,689+72.6% |
| Admin fee / account holder | $16,996 | $15,035+13.0% | $12,993+30.8% | $13,390+26.9% |