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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 | $354,027 | $184,000+92.4% | $162,185+118.3% | $152,909+131.5% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 19.56% | 150.80%-131.2pp | 115.61%-96.1pp | 345.46%-325.9pp |
| Employer contribution / active EE | $6,103 | $6,370-4.2% | $5,613+8.7% | $4,764+28.1% |
| Participant deferral / active EE | $12,312 | $8,033+53.3% | $7,297+68.7% | $5,851+110.4% |
| Admin fee / account holder | $22,906 | $13,124+74.5% | $10,844+111.2% | $11,601+97.5% |