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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 | $334,489 | $160,028+109.0% | $147,080+127.4% | $145,884+129.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.37% | 98.60%-88.2pp | 420.17%-409.8pp | 551.85%-541.5pp |
| Employer contribution / active EE | $8,910 | $5,286+68.6% | $4,933+80.6% | $4,662+91.1% |
| Participant deferral / active EE | $9,809 | $8,422+16.5% | $8,066+21.6% | $6,690+46.6% |
| Admin fee / account holder | $2,571 | $15,030-82.9% | $12,989-80.2% | $13,392-80.8% |