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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 | $304,155 | $175,259+73.5% | $149,723+103.1% | $139,487+118.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 13.76% | 166.82%-153.1pp | 134.50%-120.7pp | 373.84%-360.1pp |
| Employer contribution / active EE | $9,916 | $5,478+81.0% | $4,821+105.7% | $4,755+108.5% |
| Participant deferral / active EE | $7,509 | $6,522+15.1% | $5,682+32.1% | $6,713+11.9% |
| Admin fee / account holder | $2,804 | $16,158-82.6% | $13,215-78.8% | $11,407-75.4% |