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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 | $490,655 | $176,120+178.6% | $159,487+207.6% | $167,553+192.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.38% | 331.95%-317.6pp | 263.71%-249.3pp | 478.89%-464.5pp |
| Employer contribution / active EE | $18,382 | $5,299+246.9% | $4,831+280.5% | $4,840+279.8% |
| Participant deferral / active EE | $11,408 | $7,752+47.2% | $7,354+55.1% | $6,343+79.9% |
| Admin fee / account holder | $2,133 | $12,561-83.0% | $10,804-80.3% | $12,316-82.7% |