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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 | $285,080 | $160,070+78.1% | $147,117+93.8% | $145,897+95.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.82% | 98.69%-86.9pp | 420.54%-408.7pp | 552.29%-540.5pp |
| Employer contribution / active EE | $2,784 | $5,285-47.3% | $4,932-43.6% | $4,663-40.3% |
| Participant deferral / active EE | $10,147 | $8,419+20.5% | $8,065+25.8% | $6,689+51.7% |
| Admin fee / account holder | $1,142 | $15,035-92.4% | $12,993-91.2% | $13,390-91.5% |