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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 | $257,536 | $176,077+46.3% | $159,455+61.5% | $167,518+53.7% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.51% | 331.83%-319.3pp | 263.63%-251.1pp | 478.71%-466.2pp |
| Employer contribution / active EE | $9,660 | $5,298+82.3% | $4,830+100.0% | $4,838+99.6% |
| Participant deferral / active EE | $15,041 | $7,751+94.1% | $7,353+104.6% | $6,342+137.2% |
| Admin fee / account holder | $9,147 | $12,556-27.2% | $10,800-15.3% | $12,312-25.7% |