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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 | $286,482 | $184,000+55.7% | $162,185+76.6% | $152,909+87.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 22.48% | 150.80%-128.3pp | 115.61%-93.1pp | 345.46%-323.0pp |
| Employer contribution / active EE | $8,996 | $6,370+41.2% | $5,613+60.3% | $4,764+88.8% |
| Participant deferral / active EE | $8,672 | $8,033+8.0% | $7,297+18.8% | $5,851+48.2% |
| Admin fee / account holder | $3,633 | $13,124-72.3% | $10,844-66.5% | $11,601-68.7% |