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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 | $255,654 | $160,040+59.7% | $147,096+73.8% | $145,877+75.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 20.64% | 98.49%-77.9pp | 419.75%-399.1pp | 551.28%-530.6pp |
| Employer contribution / active EE | $9,704 | $5,289+83.5% | $4,936+96.6% | $4,663+108.1% |
| Participant deferral / active EE | $11,618 | $8,429+37.8% | $8,071+44.0% | $6,691+73.7% |
| Admin fee / account holder | $23,583 | $15,050+56.7% | $13,005+81.3% | $13,402+76.0% |