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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 | $386,471 | $209,405+84.6% | $178,486+116.5% | $158,931+143.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 14.50% | 188.77%-174.3pp | 151.08%-136.6pp | 302.86%-288.4pp |
| Employer contribution / active EE | $14,033 | $5,707+145.9% | $5,011+180.1% | $4,761+194.7% |
| Participant deferral / active EE | $18,001 | $5,954+202.3% | $5,202+246.1% | $5,982+200.9% |
| Admin fee / account holder | $92,618 | $17,076+442.4% | $13,985+562.3% | $11,247+723.5% |