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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 | $404,346 | $198,462+103.7% | $170,439+137.2% | $147,585+174.0% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 14.28% | 257.30%-243.0pp | 205.94%-191.7pp | 578.58%-564.3pp |
| Employer contribution / active EE | $12,159 | $6,184+96.6% | $5,433+123.8% | $4,876+149.3% |
| Participant deferral / active EE | $10,626 | $5,629+88.8% | $4,939+115.1% | $5,439+95.4% |
| Admin fee / account holder | $16,590 | $16,852-1.6% | $13,881+19.5% | $10,886+52.4% |