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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 | $318,602 | $198,457+60.5% | $170,435+86.9% | $147,586+115.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 14.50% | 257.30%-242.8pp | 205.94%-191.4pp | 578.59%-564.1pp |
| Employer contribution / active EE | $16,098 | $6,183+160.3% | $5,432+196.3% | $4,876+230.1% |
| Participant deferral / active EE | $13,738 | $5,629+144.0% | $4,939+178.1% | $5,439+152.6% |
| Admin fee / account holder | $651 | $16,852-96.1% | $13,881-95.3% | $10,886-94.0% |