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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 | $283,725 | $159,978+77.4% | $147,041+93.0% | $145,978+94.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.04% | 98.36%-84.3pp | 419.21%-405.2pp | 550.52%-536.5pp |
| Employer contribution / active EE | $5,936 | $5,288+12.3% | $4,935+20.3% | $4,662+27.3% |
| Participant deferral / active EE | $17,150 | $8,429+103.5% | $8,071+112.5% | $6,690+156.4% |
| Admin fee / account holder | $1,965 | $15,053-86.9% | $13,006-84.9% | $13,400-85.3% |