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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 | $312,740 | $159,934+95.5% | $147,005+112.7% | $145,959+114.3% |
| Participation rate | 93.3% | 84.0%+9.3pp | 82.2%+11.2pp | 80.3%+13.0pp |
| Annual return | 14.13% | 98.24%-84.1pp | 418.76%-404.6pp | 561.95%-547.8pp |
| Employer contribution / active EE | $12,592 | $5,287+138.2% | $4,934+155.2% | $4,661+170.2% |
| Participant deferral / active EE | $4,798 | $8,427-43.1% | $8,070-40.5% | $6,689-28.3% |
| Admin fee / account holder | $12,499 | $15,053-17.0% | $13,006-3.9% | $13,398-6.7% |