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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 | $289,126 | $160,070+80.6% | $147,117+96.5% | $145,897+98.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.82% | 98.69%-83.9pp | 420.54%-405.7pp | 552.29%-537.5pp |
| Employer contribution / active EE | $9,804 | $5,285+85.5% | $4,932+98.8% | $4,663+110.3% |
| Participant deferral / active EE | $13,347 | $8,419+58.5% | $8,065+65.5% | $6,689+99.5% |
| Admin fee / account holder | $5,014 | $15,035-66.7% | $12,993-61.4% | $13,390-62.6% |