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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 | $305,969 | $209,422+46.1% | $178,503+71.4% | $158,982+92.5% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 11.88% | 188.81%-176.9pp | 151.12%-139.2pp | 302.99%-291.1pp |
| Employer contribution / active EE | $20,113 | $5,707+252.4% | $5,011+301.4% | $4,763+322.3% |
| Participant deferral / active EE | $16,500 | $5,955+177.1% | $5,202+217.2% | $5,983+175.8% |
| Admin fee / account holder | $1,708 | $17,079-90.0% | $13,987-87.8% | $11,252-84.8% |