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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 | $410,259 | $175,231+134.1% | $149,696+174.1% | $139,466+194.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 23.62% | 166.77%-143.1pp | 134.46%-110.8pp | 373.66%-350.0pp |
| Employer contribution / active EE | $10,050 | $5,478+83.5% | $4,821+108.5% | $4,754+111.4% |
| Participant deferral / active EE | $12,534 | $6,521+92.2% | $5,682+120.6% | $6,712+86.7% |
| Admin fee / account holder | $12,446 | $16,155-23.0% | $13,212-5.8% | $11,409+9.1% |