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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 | $507,289 | $209,888+141.7% | $189,545+167.6% | $167,553+202.8% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 15.37% | 748.66%-733.3pp | 555.36%-540.0pp | 478.89%-463.5pp |
| Employer contribution / active EE | $4,675 | $6,915-32.4% | $6,162-24.1% | $4,840-3.4% |
| Participant deferral / active EE | $6,500 | $8,934-27.2% | $8,220-20.9% | $6,343+2.5% |
| Admin fee / account holder | $14,041 | $14,300-1.8% | $12,049+16.5% | $12,316+14.0% |