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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 | $306,962 | $160,040+91.8% | $147,096+108.7% | $145,877+110.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.44% | 98.49%-88.1pp | 419.75%-409.3pp | 551.28%-540.8pp |
| Employer contribution / active EE | $14,758 | $5,289+179.0% | $4,936+199.0% | $4,663+216.5% |
| Participant deferral / active EE | $17,221 | $8,429+104.3% | $8,071+113.4% | $6,691+157.4% |
| Admin fee / account holder | $3,631 | $15,050-75.9% | $13,005-72.1% | $13,402-72.9% |