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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 | $284,507 | $176,105+61.6% | $159,474+78.4% | $167,536+69.8% |
| Participation rate | 92.9% | 85.0%+7.9pp | 82.8%+10.0pp | 82.1%+10.7pp |
| Annual return | 12.44% | 331.91%-319.5pp | 263.68%-251.2pp | 478.82%-466.4pp |
| Employer contribution / active EE | $7,707 | $5,299+45.4% | $4,831+59.5% | $4,839+59.3% |
| Participant deferral / active EE | $7,505 | $7,751-3.2% | $7,353+2.1% | $6,342+18.3% |
| Admin fee / account holder | $36,763 | $12,559+192.7% | $10,802+240.3% | $12,315+198.5% |