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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 | $336,198 | $175,259+91.8% | $149,723+124.5% | $139,487+141.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.58% | 166.82%-152.2pp | 134.50%-119.9pp | 373.84%-359.3pp |
| Employer contribution / active EE | $22,670 | $5,478+313.8% | $4,821+370.2% | $4,755+376.8% |
| Participant deferral / active EE | $15,000 | $6,522+130.0% | $5,682+164.0% | $6,713+123.5% |
| Admin fee / account holder | $2,626 | $16,158-83.7% | $13,215-80.1% | $11,407-77.0% |