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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 | $335,990 | $160,070+109.9% | $147,117+128.4% | $145,897+130.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 20.42% | 98.69%-78.3pp | 420.54%-400.1pp | 552.29%-531.9pp |
| Employer contribution / active EE | $8,846 | $5,285+67.4% | $4,932+79.3% | $4,663+89.7% |
| Participant deferral / active EE | $4,045 | $8,419-52.0% | $8,065-49.8% | $6,689-39.5% |
| Admin fee / account holder | $493 | $15,035-96.7% | $12,993-96.2% | $13,390-96.3% |