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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 | $253,770 | $176,105+44.1% | $159,474+59.1% | $167,536+51.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 21.66% | 331.91%-310.3pp | 263.68%-242.0pp | 478.82%-457.2pp |
| Employer contribution / active EE | $16,840 | $5,299+217.8% | $4,831+248.6% | $4,839+248.0% |
| Participant deferral / active EE | $12,509 | $7,751+61.4% | $7,353+70.1% | $6,342+97.2% |
| Admin fee / account holder | $12,355 | $12,559-1.6% | $10,802+14.4% | $12,315+0.3% |