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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 | $160,028+59.8% | $147,080+73.8% | $145,884+75.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 20.64% | 98.60%-78.0pp | 420.17%-399.5pp | 551.85%-531.2pp |
| Employer contribution / active EE | $9,704 | $5,286+83.6% | $4,933+96.7% | $4,662+108.1% |
| Participant deferral / active EE | $11,618 | $8,422+38.0% | $8,066+44.0% | $6,690+73.7% |
| Admin fee / account holder | $23,583 | $15,030+56.9% | $12,989+81.6% | $13,392+76.1% |