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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 | $331,044 | $160,028+106.9% | $147,080+125.1% | $145,884+126.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.26% | 98.60%-84.3pp | 420.17%-405.9pp | 551.85%-537.6pp |
| Employer contribution / active EE | $6,113 | $5,286+15.7% | $4,933+23.9% | $4,662+31.1% |
| Participant deferral / active EE | $4,902 | $8,422-41.8% | $8,066-39.2% | $6,690-26.7% |
| Admin fee / account holder | $624 | $15,030-95.8% | $12,989-95.2% | $13,392-95.3% |