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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 | $384,351 | $160,040+140.2% | $147,096+161.3% | $145,877+163.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.61% | 98.49%-86.9pp | 419.75%-408.1pp | 551.28%-539.7pp |
| Employer contribution / active EE | $8,358 | $5,289+58.0% | $4,936+69.3% | $4,663+79.2% |
| Participant deferral / active EE | $6,155 | $8,429-27.0% | $8,071-23.7% | $6,691-8.0% |
| Admin fee / account holder | $17,715 | $15,050+17.7% | $13,005+36.2% | $13,402+32.2% |