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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 | $279,529 | $160,070+74.6% | $147,117+90.0% | $145,897+91.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 18.19% | 98.69%-80.5pp | 420.54%-402.3pp | 552.29%-534.1pp |
| Employer contribution / active EE | $10,141 | $5,285+91.9% | $4,932+105.6% | $4,663+117.5% |
| Participant deferral / active EE | $11,628 | $8,419+38.1% | $8,065+44.2% | $6,689+73.8% |
| Admin fee / account holder | $1,418 | $15,035-90.6% | $12,993-89.1% | $13,390-89.4% |