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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 | $324,862 | $176,105+84.5% | $159,474+103.7% | $167,536+93.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 15.11% | 331.91%-316.8pp | 263.68%-248.6pp | 478.82%-463.7pp |
| Employer contribution / active EE | $12,509 | $5,299+136.1% | $4,831+158.9% | $4,839+158.5% |
| Participant deferral / active EE | $5,788 | $7,751-25.3% | $7,353-21.3% | $6,342-8.7% |
| Admin fee / account holder | $11,324 | $12,559-9.8% | $10,802+4.8% | $12,315-8.0% |