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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 | $394,141 | $175,231+124.9% | $149,696+163.3% | $139,466+182.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 20.37% | 166.77%-146.4pp | 134.46%-114.1pp | 373.66%-353.3pp |
| Employer contribution / active EE | $7,834 | $5,478+43.0% | $4,821+62.5% | $4,754+64.8% |
| Participant deferral / active EE | $6,695 | $6,521+2.7% | $5,682+17.8% | $6,712-0.3% |
| Admin fee / account holder | $5,852 | $16,155-63.8% | $13,212-55.7% | $11,409-48.7% |