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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 | $390,469 | $175,212+122.9% | $149,682+160.9% | $139,427+180.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 21.09% | 166.63%-145.5pp | 134.35%-113.3pp | 373.27%-352.2pp |
| Employer contribution / active EE | $21,964 | $5,475+301.2% | $4,818+355.8% | $4,752+362.2% |
| Participant deferral / active EE | $12,881 | $6,520+97.6% | $5,681+126.7% | $6,711+91.9% |
| Admin fee / account holder | $27,387 | $16,150+69.6% | $13,210+107.3% | $11,404+140.1% |