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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 | $263,928 | $160,028+64.9% | $147,080+79.4% | $145,884+80.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.53% | 98.60%-83.1pp | 420.17%-404.6pp | 551.85%-536.3pp |
| Employer contribution / active EE | $12,018 | $5,286+127.4% | $4,933+143.6% | $4,662+157.8% |
| Participant deferral / active EE | $11,855 | $8,422+40.8% | $8,066+47.0% | $6,690+77.2% |
| Admin fee / account holder | $14,158 | $15,030-5.8% | $12,989+9.0% | $13,392+5.7% |