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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 | $260,110 | $159,978+62.6% | $147,041+76.9% | $145,978+78.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.28% | 98.36%-87.1pp | 419.21%-407.9pp | 550.52%-539.2pp |
| Employer contribution / active EE | $4,417 | $5,288-16.5% | $4,935-10.5% | $4,662-5.3% |
| Participant deferral / active EE | $18,285 | $8,429+116.9% | $8,071+126.6% | $6,690+173.3% |
| Admin fee / account holder | $1,764 | $15,053-88.3% | $13,006-86.4% | $13,400-86.8% |