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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 | $364,130 | $160,040+127.5% | $147,096+147.5% | $145,877+149.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.18% | 98.49%-85.3pp | 419.75%-406.6pp | 551.28%-538.1pp |
| Employer contribution / active EE | $25,333 | $5,289+378.9% | $4,936+413.2% | $4,663+443.3% |
| Participant deferral / active EE | $22,536 | $8,429+167.4% | $8,071+179.2% | $6,691+236.8% |
| Admin fee / account holder | $8,922 | $15,050-40.7% | $13,005-31.4% | $13,402-33.4% |