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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 | $306,469 | $160,070+91.5% | $147,117+108.3% | $145,897+110.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.69% | 98.69%-86.0pp | 420.54%-407.8pp | 552.29%-539.6pp |
| Employer contribution / active EE | $7,077 | $5,285+33.9% | $4,932+43.5% | $4,663+51.8% |
| Participant deferral / active EE | $3,265 | $8,419-61.2% | $8,065-59.5% | $6,689-51.2% |
| Admin fee / account holder | $1,997 | $15,035-86.7% | $12,993-84.6% | $13,390-85.1% |