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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 | $293,319 | $160,028+83.3% | $147,080+99.4% | $145,884+101.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.80% | 98.60%-87.8pp | 420.17%-409.4pp | 551.85%-541.1pp |
| Employer contribution / active EE | $2,417 | $5,286-54.3% | $4,933-51.0% | $4,662-48.2% |
| Participant deferral / active EE | $13,881 | $8,422+64.8% | $8,066+72.1% | $6,690+107.5% |
| Admin fee / account holder | $99,280 | $15,030+560.5% | $12,989+664.3% | $13,392+641.3% |