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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 | $476,834 | $197,594+141.3% | $177,822+168.2% | $158,931+200.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 329.09% | 58.76%+270.3pp | 48.32%+280.8pp | 302.86%+26.2pp |
| Employer contribution / active EE | $4,078 | $6,697-39.1% | $5,918-31.1% | $4,761-14.4% |
| Participant deferral / active EE | $11,167 | $8,405+32.9% | $7,714+44.8% | $5,982+86.7% |
| Admin fee / account holder | $6,284 | $15,400-59.2% | $12,428-49.4% | $11,247-44.1% |