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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 | $414,097 | $209,888+97.3% | $189,545+118.5% | $167,553+147.1% |
| Participation rate | 83.3% | 88.7%-5.3pp | 87.8%-4.5pp | 82.1%+1.2pp |
| Annual return | 15.84% | 748.66%-732.8pp | 555.36%-539.5pp | 478.89%-463.1pp |
| Employer contribution / active EE | $0 | $6,915-100.0% | $6,162-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $11,018 | $8,934+23.3% | $8,220+34.0% | $6,343+73.7% |
| Admin fee / account holder | $8,584 | $14,300-40.0% | $12,049-28.8% | $12,316-30.3% |