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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 | $358,508 | $185,312+93.5% | $161,489+122.0% | $154,746+131.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 200.29% | 103.84%+96.5pp | 89.72%+110.6pp | 172.34%+28.0pp |
| Employer contribution / active EE | $10,286 | $4,769+115.7% | $4,268+141.0% | $4,379+134.9% |
| Participant deferral / active EE | $14,658 | $6,350+130.8% | $5,630+160.4% | $6,730+117.8% |
| Admin fee / account holder | $1,724 | $18,654-90.8% | $16,006-89.2% | $14,365-88.0% |