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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 | $367,302 | $160,070+129.5% | $147,117+149.7% | $145,897+151.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 42.11% | 98.69%-56.6pp | 420.54%-378.4pp | 552.29%-510.2pp |
| Employer contribution / active EE | $7,311 | $5,285+38.3% | $4,932+48.2% | $4,663+56.8% |
| Participant deferral / active EE | $7,625 | $8,419-9.4% | $8,065-5.5% | $6,689+14.0% |
| Admin fee / account holder | $8,515 | $15,035-43.4% | $12,993-34.5% | $13,390-36.4% |